Learn how and why veterinary bills are increasing, and how a Healthy Paws plan can help.
Read stories of how Healthy Paws has protected pets like family and made peace of mind and more happy, healthy moments possible.
Rescue organizations across the U.S. received support for adoption efforts and ongoing care for vulnerable pets.
Make their food irresistible with the freshest nutritionally-balanced ingredients.
The Healthy Paws Community is a vibrant, social-first space for all pet lovers—whether you’re a Healthy Paws policyholder or simply passionate about pets. As a Pack Member, you can share your favorite pet photos and videos, connect with fellow pet parents, and stay informed with the latest Healthy Paws news and tips. It’s a welcoming place focused on connection, positivity, and celebrating the joy pets bring to our lives!
Everyday expenses for a pet now exceed $4,000 a year on average, according to new research. As prices continue to climb, pet owners face tough choices. Pet insurance can be a financial backstop against the unexpected.
Claim reimbursement examples
How do reimbursements work?
Reimbursements are based on your actual veterinary bills. Claims representatives determine the total of the covered treatments, and reimburse you for the percentage of those bills that you selected for your policy, minus your remaining annual deductible.
For example: say you have a policy with a $250.00 annual deductible and a reimbursement rate of 80%
- You get a vet bill for $1,200 in covered treatments
- 80% of $1,200 = $960
- $960 minus your $250 annual deductible = $710
- You are reimbursed $710 for that $1,200 bill
For your next bill, you would be reimbursed a full 80% for covered treatments. (Your pet's deductible is annual, meaning it must be satisfied only once per policy term and resets on the anniversary of your pet's enrollment.)
If a claim is approved, any reimbursement due will be issued on average within 1 business day. You can choose to be reimbursed via a mailed check or direct deposit.
X-rays, lab work
Hospital stay, meds, in-patient medical exam
Anesthesia, surgery, catheter placement
Veterinary exam, pet food
80% of $699.16, minus remaining annual deductible
X-ray, myelogram, lab work
Hospital stay, physical therapy nursing, medications
Anesthesia, surgery, catheter placement, medications
Emergency fee, consultation fee, physical therapy consult
80% of $4,060.93, minus remaining annual deductible
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The claim scenarios described here are intended to show the types of situations that may result in claims. These scenarios should not be compared to any other claim. Whether or to what extent a particular loss is covered depends on the facts and circumstances of the loss, the terms and conditions of the policy as issued and applicable law. Insureds providing testimonials in this report have not received compensation for their statements. Facts may have been omitted to protect the privacy of the parties involved.