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Common Pet Insurance Questions

Statistics show that pet health insurance is becoming increasingly popular in the United States. In fact, the number of American pets covered by pet health insurance has more than doubled since 2002. Still, far too many pets are uninsured, and every year, some are euthanized simply because their owners can't afford the cost of medical care.1


Insurance is about protecting yourself from unexpected financial costs. No one wants to be faced with skipping an important treatment or, worse case, euthanizing your pet simply because you cannot afford veterinary care. Pet insurance therefore should be about protecting you and your pet when they are sick or injured. These are the conditions you cannot plan for in advance.


Questions to Ask

Most pet health insurance plans have a few basics in common. You usually select a reimbursement and deductible; can go to any veterinarian you choose; pay your vet first, file a claim and then get reimbursed; and pre-existing conditions and related treatments are not covered. Breeding issues, experimental treatments, and cosmetic surgery like declawing and tail docking are also typically not covered.


  • Are there limits or caps on your claims? This is very important in that you are trying to protect yourself financially while giving your pet the best medical care available. If a pet insurance company only pays 50% of your veterinary bill because of a per condition cap or benefit schedule restriction, you may find yourself left with a large bill to still pay.
  • Is emergency care part of my coverage? Because emergency animal hospitals are open 24/7, they charge more for treatment than your favorite veterinarian. Not all companies cover this important service or they limit the payout.
  • How are claim payments determined? You want to find a pet insurance plan that pays on your actual veterinary bill, not based on a pre-determined benefit schedule or based on usual and customary charges for that service. You'll get the highest reimbursement when your pet insurance plan pays on your actual bill.
  • What is covered? Find a pet insurance plan that is easy to understand. The more complex the policy wording, the more likely you'll find something isn't covered when you file a claim. It's especially important to make sure all hereditary and congenital conditions are covered as these are often very expensive treatments
  • What is excluded? Pet insurance exclusions can vary depending on the policy chosen. All companies exclude pre-existing conditions but from there you have to do your research to make sure you know what is excluded.



Healthy Paws - Customers Rated us the #1 Pet Insurance Plan!

Healthy Paws offers an affordable pet insurance plan covering everything that matters including injuries, illnesses, genetic conditions, and emergency care. Our plan is simple to understand. If it's a new accident or illness, and not a pre-existing condition, you're covered! It's that simple.


We pay based on your actual veterinary bill, cover hereditary and congenital conditions, and have no maximum limits on payouts; no per incident, annual or lifetime caps.


Our commitment to our customers is to provide unparalleled service and support, and access to the best pet insurance plan on the planet. It's just one of the reasons why we are the #1 customer-rated pet insurance company at Canine Journal. We have a 9.8 out of 10 rating and work hard to earn our customers trust and business. At Healthy Paws, everything we do is driven from our love of animals and our commitment to pet health.



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1 American Animal Hospital Association




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