Healthy Paws Pet Insurance Review

Yes, Healthy Paws covers brachycephalic obstructive airway syndrome (BOAS) and related breathing issues including surgical correction. There's a 15-day waiting period for both accidents and illnesses, so enroll before symptoms develop to ensure coverage.

Healthy Paws uses an annual deductible that resets each policy year. Once you meet your chosen deductible amount for the year, all covered conditions are reimbursed at your selected percentage for the remainder of that policy year. This is beneficial for French Bulldogs who may need treatment for multiple conditions like BOAS, hip dysplasia, and allergies within the same year.

Yes, Healthy Paws covers hereditary and congenital conditions including hip dysplasia, breathing disorders, spinal issues, and eye problems. These conditions must develop after your coverage begins to be eligible for benefits.

Unlimited coverage eliminates concerns about hitting annual caps during expensive treatment years. French Bulldogs can easily require $10,000+ in treatment annually for multiple conditions, making unlimited coverage particularly valuable for this breed.

Most claims are processed within 2-3 business days. Simple claims with clear documentation often process faster, while complex cases requiring medical record review may take the full timeframe.

Yes, Healthy Paws works with any licensed veterinarian in the United States. You're not restricted to a network, which is helpful for French Bulldog owners who need access to specialists for breed-specific conditions.

Expect to pay around $45-$85/month for a young French Bulldog depending on your deductible and reimbursement rate. A $500 deductible with 70% reimbursement starts around $45/month, while $100 deductible with 90% reimbursement runs closer to $85/month. Premiums increase with age and vary by location. Healthy Paws is more expensive than budget options like Lemonade or Pets Best, but cheaper than Trupanion.

If you want unlimited coverage with no annual cap and fast claims, Healthy Paws delivers strong value for French Bulldogs. A single BOAS surgery ($3,000-$6,000) or hip replacement ($4,000-$7,000) can justify a full year of premiums. The lack of wellness coverage is the main drawback -- you will pay for routine care out of pocket. For owners who prioritize catastrophic protection over preventive care bundling, Healthy Paws is absolutely worth it.

The biggest gap is wellness and routine care: no coverage for annual exams, vaccinations, dental cleanings, or preventive medications. Standard exclusions also apply: pre-existing conditions, breeding costs, cosmetic procedures, and elective surgeries. Healthy Paws does not make exceptions for curable pre-existing conditions, unlike some competitors. Hip dysplasia carries a 12-month waiting period for dogs enrolled after age 6.

Both offer unlimited coverage and cover hereditary conditions, so the comparison comes down to cost, payment model, and deductible structure. Trupanion costs 2-3x more but offers direct vet payment at participating clinics (no fronting bills) and per-condition lifetime deductibles that benefit chronic conditions. Healthy Paws costs less and offers more reimbursement rate options (50-90% vs. fixed 90%). For most French Bulldog owners, Healthy Paws offers better value. Trupanion is worth the premium if direct vet pay and lifetime deductibles matter enough to justify the cost.

Yes, Healthy Paws covers allergy testing, prescription medications, medicated shampoos, prescription diets, and dermatology specialist visits. Once you meet your annual deductible, allergy treatment is reimbursed at your selected rate for the rest of the policy year. Since French Bulldog allergies are typically chronic and lifelong, this coverage remains active as long as you maintain your policy -- which can save thousands over your Frenchie's lifetime.