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Home > Insurance > Does Healthy Paws Cover Medications & Prescriptions? 2024 Update

Does Healthy Paws Cover Medications & Prescriptions? 2024 Update

owner giving medicine tablet to his sick dog

Taking your dog or cat to a vet can be extremely expensive and draining both emotionally and on your bank account. That’s why several pet owners purchase pet insurance. However, you need to know exactly what your pet insurance covers if you’re paying for it every month.

For example, if you have Healthy Paws pet insurance, you might wonder if they cover medications and prescriptions. The answer is yes, and we’ll discuss Healthy Paws and what its pet insurance covers.


Does Healthy Paws Cover Prescription Medications?

Healthy Paws covers medications and prescriptions for illnesses and accidental injuries. Here is a list of the coverage you can expect from Healthy Paws.

What Healthy Paws Does Cover

  • Treatments and hospitalizations for surgery from injuries or accidents
  • Cancer
  • Diagnostic tests
  • Prescription medications
  • Some alternative therapies
  • Congenital conditions
  • Hereditary conditions
  • Some dental issues
dog medicine
Image Credit: LightField Studios, Shutterstock

What Healthy Paws Doesn’t Cover

There are quite a few veterinary services that Healthy Paws doesn’t cover as well.

  • Vet fees for exams for illness or accidents
  • Wellness or preventive care
  • Hip dysplasia treatment in some cases
  • Dental care that is considered routine
  • Prescription diets
  • Experimental treatments
  • Behavioral therapies
  • Pregnancy or breeding
  • Preexisting conditions
  • Burial or cremation

Of course, there are exceptions to the services that aren’t covered, so it’s best to call and talk to a representative at the company to determine which restrictions apply.

Medications that Might Not Be Covered by Pet Insurance

Unlike Healthy Paws, most pet insurance providers do not cover the cost of medications or prescriptions. These items are typically excluded from coverage by most insurers.

  • Long-term prescriptions
  • Alternative medications
  • Preventive medications

How to Cover Medication Costs for Your Pet?

In many cases, the medication isn’t covered for your pet, or you’ve met the coverage limit, but your pet still needs their medicine. You can always ask your vet if a generic version of the medication they’re prescribing for your dog or cat is available, as these tend to be less expensive than the name-brand options.

It’s also possible, in some cases, that you can order your pet’s medication from a human pharmacy, which means it might be cheaper, and you might be able to find coupons online to help with the cost. While this isn’t always going to be an option on every medicine, it is worth checking into, just in case it is.

If your vet writes you a prescription, you can also shop around online to find a better price. Chewy has reasonable prices on pet prescriptions compared to other companies with online pharmacies. Another option is switching to another pet insurance company that generously covers pet medications.

It’s important to remember that most pet insurance companies don’t cover preexisting conditions or the medications that go along with the treatment for them.

owner giving medicine in capsule to corgi dog
Image Credit: megaflopp, Shutterstock


Final Thoughts

Healthy Paws pet insurance does cover medications and prescriptions in most cases. However, it’s hard to find an insurance company to cover them all, especially if your pet has a preexisting condition. Healthy Paws covers a wide range of veterinary services, and most of their customers are extremely happy with their coverage and customer service. Hopefully, the tips we included will help you reduce the costs of your beloved pet’s medications.

Featured Image Credit: Creative Cat Studio, Shutterstock

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