Claim Coverage
Explore detailed reviews about the claims process and coverage provided by pet insurance companies. See how quickly claims are approved, what’s actually covered, and how satisfied pet parents are with reimbursements.
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Don't sign up for this company bad service
Don't sign up for this company they are scamm you'll pay for the insurance and they will never send you a check for when you use it I spent 1600 on my dog and 800 on my cat has been 4 months and no checks I'm tire to call them everytime they keep asking for addition information and on tome they lost everything I had sent as ked me to send again . I lost how many time I called them and never get the problem fixed but they keep charging me every month . I'm not satisfied at all
Insurer: Healthy Paws
By: Nilton
Latest 1 comments
As per the policy we do require medical records for all enrolled pets in order to process claims. At minimum we require the notes from the enrollment exam as outlined in your policy. When you enrolled online and prior to completing the enrollment process, you were asked and checked off a box noting that an examination was performed within a specific time frame based on the age of the pet you were enrolling. When an enrollment examination is not performed prior to enrollment or during the waiting period, this will affect the last day of the waiting period. Not having an enrollment exam may result in the denial of claims related to any signs and symptoms that are present at the time of the exam. Claims denied for pets due to a lack of an enrollment exam are denied under the policy's waiting period exclusion, which is currently the case for your pet. If your baby has *any* prior vet visits to the one noted in our customer care team’s email to you, let us know.
Pet Parents Cannot Afford to Not Have Pet Insurance
Never in a million years did I think I would have a Vet bill this high, but it did. Leo, my 13 year old cat had three severe complications all within a two week time period. I considered letting him go, but the Vet told me had a good prognosis and I had Trupanion Pet Insurance on top of that so we proceeded. One thing led to the other and when it was all done I ran up three credit cards and maxed out one of them to pay Leo's bill. I'm happy to announce that Leo is doing great as if the whole incident never even happened. I'm even more thrilled that as promised Trupanion paid paid almot 90% of the bill minus a couple of very small exclusions. To anyone considering pet insurance, it is my opinion that you can't afford to not have it. I wouldn't have a Leo right now had it not been for Trupanion. The monthly plan pales in comparison to what a major vet bill can run. It is so worth it and I am so grateful for Trupanion.
Insurer: Trupanion
By: Joelle
Great Pet Insurance!
Healthy Paws is great! We have used them for both of our dogs since they were puppies. They have saved us SO much money for smaller medical issues over the years. Recently, our dog had to have ACL surgery which cost $6000- Healthy Paws covered almost all of it. They also refunded us via direct deposit in 2 days. I am very pregnant, so this was very helpful to get the surgery paid off quickly. Their website is quick and easy to use. They even checked on my dog after the surgery. Would highly suggest!
Insurer: Healthy Paws
By: Kayla
Poor coverage and high prices
We got Embrace for our dog as pet insurance. It was difficult to contact them for account changes and it took a long time for our claims to get processed and denied. My husband and I both tried to add me to the account several times but they never responded to our request. Every claim we requested was denied coverage because it didn’t fall into a very specific series of requirements. After we moved states, they upped the price to $300 per month (!!!) without obtaining a confirmation that we were okay paying that rate and they still denied our claims. They work very hard at reviewing records to find ways to not reimburse you. We have spent thousands of dollars for coverage with $0 reimbursed. I’m in the medical field and the logic they’ve used to deny our claims would not fly for human beings. However, they get away with it by simply not being responsive to emails and inquiries. Again, I work in the medical field and this is the worst type of insurance that I’ve had to deal with.
Insurer: Embrace
By: J
Healthy Paws Makes Claims Easy
Our four and a half year old dog seemed "off" and was going to into his crate, facing the wall multiple times a day. We discovered that he had a badly cracked pre-molar causing him pain. The surgery to remove it was expensive; about three thousand dollars, but only a couple of scanned documents and a few weeks weeks later Healthy Paws reimbursed two thirds of the cost. And our little love is back to his smiling happy self. Human health insurance companies could learn a thing or two from Healthy Paws.
Insurer: Healthy Paws
By: Jessica
Better than human medical insurance
Met Life Pet has been great for us. It is far easier than our human insurance. Just take your pet to the vet and get a copy of the bill and the SOAP notes. Take a picture in the app and click submit. It usually takes 2 to 5 days for us and we get reimbursed directly into our checking account.
Insurer: MetLife
By: Woody
Super Easy
Everything about the process from signing up to claims was/is super easy. I wish every thing in life were this easy.
Insurer: Lemonade
By: Bill
Eye surgery for Retreiver Possible
Thanks to Healthy Paws my boy was able to get eye surgery for a tumor that had developed behind his eye. It was very painful for him and needed to be removed. Healthy Paws paid the claims timely and checked on his recovery, So happy I have Healthy Paws in my pups corner couldn’t have done it without them.
Insurer: Healthy Paws
By: Michele
Excellent service!
First time having pet insurance and woud recommend MetLife over any other pet insurance out there. Couldn't be any easier filing and very quick reimbursement. Very happy we have this for unexpected visits to the vet! Simply the best!
Insurer: MetLife
By: Stephen
Amazing! Thank you ❤️
Thank you, Trupanion, for stepping in immediately and saving my kitty's life. It was an awful, heartbreaking experience and not having to worry if I can save him due to finances meant the world to me. I've been recommending Trupanion to everyone. Faithful customer here forever. Thank you. Sue (human) and Mochi 🐈
Insurer: Trupanion
By: Sue