Healthy Pets Insurance ( Healthypets )

Healthy Pets ( Healthypets ) has fantastic and prompt customer service. Their website is friendly and inviting. They were the first company to respond to all my questions to make this page.

They also offer pet insurance for horses as well as exotic pets and small mammals and birds. br>

HealthyPets insurance has good plans that are very reasonable for young mongrel dogs or cats. It is more costly for older pedigree dogs.

Healthy Pets has won many award which include: Intelligent Choice Award Winner For Customer Satisfaction 2010 , Finalist in the Moneyfacts 2010 Consumer Awards , Nominated Your Cat Your Dog Product Award, Featured in the Which Best Buy Pet Insurance Category – regularly featured in the Top 10, Featured in Mintel Pet Insurance Report.

Healthy Pets Insurance was established by Mark Effenberg in 1996 and has since grown into the leading internet company within the Pet Insurance industry.

Healthypets claim to have one of the highest renewal rates in the industry. Mark Effenberg, Chief Executive says “Healthy Pets customers are some of the most loyal you will find, and this is because the level of service we offer is hard to match.”

Healthy Pets plans are cheap for young mongrel dogs however they are quite expensive for pedigree dogs…

Below you will find coverage tables about Healthy Pets Insurance that will explain their plans as well as approximate costs. I have also answered some important questions.

I hope that these tables help you to get the best pet insurance for your pet.

Snapshot Information Chart for Healthy Pets

PlanAccidents and illnessDeductible/ Excess* (per condition)Max age limit to sign onLifetime coverPrice per month
Bronze1000/ condition75 or 125 noneUpto condition limitDog: 6.25- 60.78 Cat: 5.56- 5.96
Silver4000/ condition75 or 125 noneUpto condition limitDog: 8.92 – 116.39 Cat: 10.09- 10.62
Gold7500/ condition75 or 125 noneUpto condition limitDog: 13.12- 171.26 Cat: 10.90- 11.47

*Excess for accidental damage and third party liability is 100.
*In addition, There is a 25% co-payment for pets over age 5 years old with Healthypets .

Prices above are the discounted ‘new client’ premiums…

Detailed coverage Chart for Healthy Pets

Vet fees Accident and illness1000/ condition4000/ condition7500/ condition
Routine Care---
Hereditary ConditionsYesYesYes
Hip dysplasiaYesYesYes
Death or loss (replacement cost of pet)-5001000
Cremation or burial---
EuthanasiaHumane destruction onlyHumane destruction onlyHumane destruction only
Boarding (if owner hospitalized)-5001000
Holiday (trip cancellation)-5002000
Cover Abroad30 days30 days12 months
Quarantine costs---
Behavioural problemsSee belowSee belowSee below
Prescription medsyesyesyes
Dental (not teeth cleaning)Accident onlyAccident onlyAccident only
Alternative treatmentYes if approvedYes if approvedYes if approved
Breeding, Fertility, Pregnancy---
Medical devices (ex. Wheelchair for dog)---
Lost/Stolen pet adds and reward-5001000
Third party liability1 million1 million1 million
(dogs only)   
Accidental Damage (tenant coverage)--500
Grooming and Bathing---
Pet food, Nutritional supplements, vitamins, natural remediesPet food- upto 4 weeks if prescribed. Vitamins only if prescribedPet food- upto 4 weeks if prescribed. Vitamins only if prescribedPet food- upto 4 weeks if prescribed. Vitamins only if prescribed

Vet fees- Illness or Accident
Routine/Preventative care- things such as: vaccinations, annual exam, spay/neuter, heartworm testing and meds, teeth cleaning, tick and flea meds, are not covered..
Hereditary conditions- are covered as long as they’re not pre-existing.
Hip Dysplasia- Are included in the hereditary conditions as long as not pre-existing.
Death- Will cover replacement price of pet if dies from accident or illness (dog under 9, cat under 11).
Euthanasia- humane destruction only is covered with Healthypets.
Cremation or burial is not covered.
Boarding- If you go to hospital boarding is covered for silver and gold Healthypets plans.
Holiday cancellation- is covered for silver and gold plans only.
Cover abroad- vet fees are covered if you are abroad according to the PETS travel scheme. Pet passports are not covered.
Quarantine Costs- are not covered with Healthypets.
Behavioural problems- behaviour problems will only be covered if they are a direct result of an insured incident while covered by their plan.
Prescription Meds- are covered if they are prescribed by a vet.
Dental- treatment is only covered for accidents only.
Alternative treatment- ( acupuncture, massage…) is covered if it is approved by Healthy pets.
Breeding, Fertility, Pregnancy- is not covered by Healthypets.
Medical devices - is not covered.
Lost/Stolen Pet (Advertising to find pet if lost/stolen/strays)- are covered for silver and gold plans only with Healthypets.
Third party liability(dogs only) - 1 million dollar coverage for all plans.
Accidental Damage- is covered under gold plan only.
Grooming and Bathing- is not covered.
Pet food, Nutritional supplements, vitamins, natural remedies- Pet food- upto 4 weeks if prescribed. Vitamins only if prescribed by a veterinarian.

Insurance Helplines coverage chart.

Bereavement counsellingIncludedIncludedIncluded
Vet finder (called Veterinary help line)IncludedIncludedIncluded
Pet legalIncludedIncludedIncluded
Pet minderIncludedIncludedIncluded

Bereavement counselling-help you deal with death/illness of pet.
Vet Finder- -help you find local vet if away.
Pet legal- will advise you on pet legal matters.
Pet minder-help you find a local pet sitter.

Some Common Questions:

Lifetime insurer (will Healthypets cover on going conditions throughout pets life) ?
Your pet will be covered for the lifetime of the pet upto the precondition policy limit of each condition.

Does Healthy Pets cover Congenital disorders?
Are considered to be a pre-existing condition and are not covered.

Discounted premiums for new clients

Any vet or specific vets only? After hours vets or in home vets?
Healthypets will accept claims from any vet, whether an emergency out of hours vet or your normal vet. House calls by vets are only covered if it would endanger the pet’s life to move it to the veterinary surgery.

Can the vet be paid directly?
Yes, if the vet agrees to it. It is done through the pet vet direct program.

If not, How quickly are claims processed?
10 days from the time they receive the claim.

Does Healthypets cover examination fee (if it relates to the injury or illness) ?
Yes, as long as it relates to the injury or illness that you are claiming for.

All breeds?
Except dogs under the dangerous dog act.

Dangerous Dog Act?
Dogs under this act aren’t covered

Do I stop getting coverage as my dog ages?
No, once you sign up, your pet is covered for life as long as you pay the monthly premium.

Does age affect monthly price (as my dog gets older will the monthly premium go up) ?
Yes, as your dog ages, your monthly premium will rise slightly.

Do you put the monthly price up every year? By how much?
Your monthly premium will go up each year. They could not give me an amount that it rises by, as it is not a set amount that it rises.

Does Healthy Pets serve all of the UK? Is the monthly amount more depending on where I live?
Healthy Pets serves Northern Ireland, Scotland, Wales and England. The monthly amount changes, depending on your postal code.

Waiting period?
10 days for illness.
Accident has no waiting period.

Do rates increase with more claims/penalized for filing more claims?
As of 2011, you will get charged more if you file more claims, however this may change.

Maximum lifetime claim amount?
yes, depending on the plan. The maximum is a per condition maximum that can be reached anytime in the pets life.

What is the co-pay?
25% for pets over age 5 years.

Extras included?
none to note.

Money back guarantee?
You have the first 14 days to change your mind with Healthy Pets and get your money back.

What they don’t cover - claims that are directly or indirectly related to:
• Pets under 6 weeks old.
• Pre-existing conditions.
• No coverage for injuries that result from: breeding.
• Treatment not recommended by a vet.
• Illnesses or Accidents that happen outside of UK, Northern Ireland, Isle of Man, channel islands, Eire, or the EU countries of the PETS travel scheme defined by DEFRA listed here.
• Will not insure dogs that are a breed under the “Dangerous Dogs act 1991 or Dangerous dogs act 1991(Northern Ireland)”
o These dogs include: Pit Bull Terrier, Japanese Tosa, Dogo Argentino, Fila Brasileiro and pets described similar in type and characteristic. They may not even be of this breed, but if they’re described to be the same.
o This is described as a type and characteristic, NOT breed, meaning any dogs that have characteristics as the above breeds.

Make sure to read the fine print before purchasing, there are many more exclusions that are not written here.

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