Health Insurance For Your Spoiled Pets

Does Pet Insurance cover pre existing conditions?

Healthy Paws offers one pet insurance plan covering everything that matters including injuries, illnesses, genetic conditions, and emergency clinic. If your pet needs treatment for any accident or illness, and it’s not a pre-existing condition, you’re covered. It’s that simple!

Choose your options for an annual deductible and reimbursement level to fit your budget:

  • Annual deductible options of $100, $250, $500, $750 or $1,000
  • Reimbursement level options of 90%, 80%, 70%, 60% or 50%

*Choice will vary depending on pet’s age.

Comprehensive coverage with unlimited annual & lifetime payouts:

  • Unlimited annual & lifetime payouts with no per incident, per condition, annual, or lifetime limits on claims.
  • See any licensed veterinarian including specialists and emergency animal hospitals to treat any accident or illness.
  • Covered veterinarian services include but are not limited to:
  • Diagnostic testing such as x-rays and blood tests
    • Hospitalization
    • Surgeries
    • Prescription Medications

Eligibility and waiting periods:

  • Lifetime coverage for pets enrolled before the age of 14.
  • 15 day waiting period for accident and illness. 12 month waiting period for hip dysplasia.
  • Veterinary Exam Requirement:
  1. Pets less than 6 years of age must have had an exam within 12 months prior to enrollment otherwise they must have an exam within 15 days from the enrollment date.
    1. Pets six years or older must have had an exam within 30 days prior to enrollment otherwise they must have an exam within 15 days from the enrollment date.


  • Veterinary Office Fee or Exam Fee.
  • Preventative care like annual exams, flea and tick medications, and spay/neuter surgeries are excluded from coverage.
  • No Dental coverage other than tooth extractions caused by an accident.
  • See the sample policy for complete details on coverage and exclusions.

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