Pet Insurance Comparison: Healthy Paws vs. VPI

One Plan. Four Paws. All Covered! Our pet insurance plan is easy to understand, we reimburse quickly, and you can count on us to help as much as we can, especially when it comes to reducing the stress of caring for a sick pet. Our commitment to our customers is to provide unparalleled service and support, and access to the best pet health plan on the planet. Thank you for considering the Healthy Paws Pet Insurance plan for your dog or cat.

To help with your pet insurance comparison, we’ve compared Healthy Paws Pet Insurance coverage to Veterinary Pet Insurance (VPI) coverage below.

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Coverage		Healthy Paws	VPI
	What is Covered	All your vet bills associated with diagnostic tests, surgeries, hospitalization, supplies and prescription medications (including genetic conditions).	Conditions listed on VPI's "Benefit Schedule," dependent on plan.
	What is Not Covered	Pre-existing conditions Hip dysplasia for pets that are 6 years or older at time of enrollment.	Pre-existing conditions Any congenital disorder Hereditary disorders subject to limits of $250 for medications & $500 for surgery Six Musculoskeletal disorders including: Hip dysplasia, Elbow dysplasia, Osteochondritis dissecans, Aseptic necrosis, and Cervical vertebral instability Two urinary tract disorders Eleven ocular disorders Two endocrine disorders ACL damage in the first 12 months Collapsed trachea Histiocytosis
	Policy Payout Limits	Over the life of your pet there are no limits per year, per claim, per illness, per procedure or per condition.	$14,000 policy term maximum, AND each condition is eligible for payment under only one primary diagnostic code found in the "Benefit Schedule" and any applicable secondary diagnostic code, per incident. Repeat claims are subject to annual limits per primary diagnostic code.
	Reimbursement Options	You select one of 3 reimbursement levels (90%, 80%, or 70%). Based on your selection, your policy covers the actual veterinary bills for costs arising from any injury or illness, less the veterinary exam fee and your selected annual deductible. Same reimbursement level also applies to higher emergency & specialty vet costs.	Your reimbursement would be based on VPI's "Benefit Schedule" after the annual deductible is met.
	Deductible Options	Annual deductible options of $100, $250 or $500.	Annual deductible options of $100, $200 or $500.
	Waiting Periods	15 days for accidents & illnesses 12 months for hip dysplasia	14 days for accidents & illnesses
Care
	Customer Rating	9.9	7.8
	Fast Reimbursement Promise
	One Team
Cost
	The Plan	HEALTHY PAWS PLAN (90% REIMBURSEMENT AND $100 ANNUAL DEDUCTIBLE WITH UNLIMITED BENEFITS)	VPI PLAN (90% REIMBURSEMENT, $100 ANNUAL DEDUCTIBLE, CLAIM LIMITS BY BENEFIT SCHEDULE, $14,000 ANNUAL LIMIT)
	2yo Lab Mix in Chicago	$33.75	$32.96
	2yo Shorthaired Cat in Chicago	$21.87	$22.75
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** Customer ratings updated as of March 2012.

Protect your Pet. Save a Homeless Pet. When you protect your pet with the #1 rated pet insurance plan, you also help a homeless pet! Together, we can give all pets a happier, healthier tomorrow.	Phone: 800.453.4054 Fax: 888.228.4129 Address: Healthy Paws Pet Insurance P.O. Box 50034 Bellevue, WA 98015

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Pet insurance policies from Healthy Paws Pet Insurance are administered and/or issued by Healthy Paws Pet Insurance, LLC and/or Affinity Insurance Services, Inc./ Aon Affinity Insurance Services, Inc and underwritten by Markel Corporation, an 'A' rated insurer for long-term financial strength and stability. Please refer to the Sample Policy for complete details of coverage and exclusions. © 2010-2012 Healthy Paws Pet Insurance. Healthy Paws Pet Insurance is a registered trademark. All rights reserved.