Spoiled Insurance is a pet insurance website that offers valuable information in order to help pet owners to give their four-legged friends the best pet insurance, which covers accidents, illnesses, cancer, emergency care, and genetic conditions.
Spoiled Iinsurance also provides our loyal readers with tips and facts about the wellbeing of the vast community of dogs and cats, so you are aware and well informed about the best practices of the pet community.
Our clients range from individuals, veterinarians, small businesses, start-ups to multi-national corporations.
We do not pass the details of our pet owners to any insurer unless you ask us to do it by requesting a quote.
Pet Insurance FAQ
What is the best pet insurance?
It’s not complicated. Healthy Paws created a very affordable, easy-to-understand pet health insurance plan and then backed it up with an unparalleled commitment to customer service. From a pet parent’s viewpoint, they clearly understand what is covered and what is not covered. They also love the fast claim reimbursements (often in 3 days or less) and compassionate interactions with the Healthy Paws team.
Is there any pet insurance that pays the vet directly?
Pet insurance reimburses the pet parent after treatment.
The pet parent takes their pet to their favorite veterinarian when sick or injured.
The pet parent pays the veterinarian at time of treatment.
The pet parent submits a claim to Healthy Paws.
Healthy Paws sends the reimbursement check directly to the pet parent within 3-10 days.
Healthy Paws will make special accommodations for large veterinary bills with the agreement of the veterinarian. We can direct pay the veterinarian and this needs to be pre-authorized and is handled on a case by case basis.
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 testsHospitalization
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:
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.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.
What is the average cost of pet insurance per month?
Healthy Paws premiums are calculated based on your individual pet’s breed, age and zip code.
Cat health plans typically range from $15 to $40 per month.
Dog health plans typically range from $25 to $60 per month.
Is it worth it to have pet insurance for my Dog-Cat?
There are some real financial figures to assess when considering investing in health insurance for pets.
Consumer Reports investigates whether or not is worth it.
The investment in health insurance for pets can help save a life and keep you out of the red. We often see owners wishing they’d purchased insurance plans before their pet got sick or injured, and while it is becoming more popular to insure your pets, it still isn’t the most immediate choice. If you’re on the fence, we have some good news: Consumer Reports released an article comparing the costs of health insurance for your pet, and we’re happy to report the winner was Healthy Paws.