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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So glad I purchased this insurance.
2 years ago I purchased Embrace insurance, I was not happy with them. After joining a Facebook pet insurance group, I read up on peoples posts and replies. I saw a few insurance policies that looked interesting to me, I called several of them and ultimately chose Met life Pet. My coverage includes wellness, illness, and accident, it was 250.00 deductible and 0 dollars out of pocket once I met the 250.00 deductible. My coverage was 5k per cat ( I have 2) total of 10K. One of my cats developed colitis, and the monthly prescription is 100% covered because it was not a per-existing condition. My experience with submitting claims has been seamless when using the phone app. I am able to send claims on the computer as well. Customer service has been fantastic by phone and email. It is best to call for the best policy quote, CS reps are very knowledgeable when speaking by phone. I have heard that the coverage available have changed, but it is still a good deal. I am very happy with the insurance!!
Insurer: MetLife
By: Gloria
Figo is awesome! Give them a chance!
I’ve insured several of my dogs with Figo all the way back to 2018. My dog Thor has been on Figo Pet Insurance since I adopted him in November of 2019. My experiences have all been positive. Filing claims is super easy and you can check the status of your claim on the Figo/Pet Cloud app. Customer service has always been top notch and they pay out reimbursements quickly. The only thing I wish Figo would have is direct pay to the vet. If they had that, it would help pet parents that can’t pay for vet care and then wait to be reimbursed. Great job, Figo!
Insurer: Figo
By: Adrian
M.Riley
I have a 6 year old female Australian Shepherd who became violently ill with non stop vomiting. Brought her to an animal emergency vet, $600 later brought her home - still vomiting. Took her to another animal hospital- she was admitted for two nights for observation and dehydration; desperately in need of IV fluids. Total bill - $ 2000. So relieved to be able to make a claim on the pet insurance. I had a $100 deductible and was covered 80%. It relieved the financial burden and I was able to focus on her recovery.
Insurer: MetLife
By: M
Couldn’t be happier
I am so grateful for having signed up with Trupanion for insurance for my cat. As we know unexpected things can certainly come up. Long story short my cat was hospitalized for two days and without Trupanion my cost would’ve been close to $5000. they reviewed my claims instantly and approved everything. They paid the vet directly, and I only had to pay the balance. highly recommend!
Insurer: Trupanion
By: LESLIE
Pet Insurance
I received reinbursement when Scarlet had Lymphoma of the eye. I paid the co pay and the rest received from insurance. Now just recently been diagnosed with Cushing Disease and Proteinurea. Took awhile for information to cross over from the Vet sec, but after sending papers another way, am starting to received money back to help out with this cost.
Insurer: MetLife
By: Ruby
Claims
I have 2 pets on this insurance. 2 claims were reveiwed, both claims accepted. It is stressful having pets with medical problems , dealing with the stress with the comfort of the pets, they are family, don't want to see them in distress. Thankfully this has helped take some stress and worry away. Thank you
Insurer: MetLife
By: Marlene
Very dissatisfied
We have been satisfied with this company until last year. Since the Summer of 2022 the insurance has not reimbursed us for any veterinary/emergency visits for our beagle. They don’t reply anymore to the phone, you cannot leave a message, and whenever I wrote to them the past 8 months I got an automatic reply, see below: Hello, Thank you for your email. We’ll review your claims submission and contact you shortly. Please visit us online for Frequently Asked Questions and answers about the policy at www.healthypaws.com/frequent-questions. We can be reached via phone call during the following times: Account Management & Enrollments Monday-Friday from 7:00am to 5:00pm Pacific Time Saturday from 8:00am to 5:00pm Pacific Time Claims Assistance Monday-Friday from 7:00am to 4:00pm Pacific Time Saturday from 8:00am to 5:00pm Pacific Time Warmest regards, Healthy Paws Customer Care Being sent on behalf of Stephanie Owens CA Lic. #0D28042 I also emailed to the company’s CEO and don’t know what to do, except to hire a lawyer or go to Small Court?? Very upsetting Are they bankrupted?? No idea
Insurer: Healthy Paws
By: Catherine
Latest 1 comments
Catherine, We truly appreciate you being part of the Healthy Paws family for over 12 years. We're sorry that your recent customer service experience did not meet your or our expectations. In regards to your claims, your 2022 claim was not eligible for coverage under the behavioral exclusion in your plan. Your other claims were either processed/covered and applied to your deductible or denied since they were for a condition that was noted as being pre-existing prior to your enrollment or during the plan waiting period. We do our best to be transparent throughout our website, during the enrollment process and in the plan documents available to each client in their online Healthy Paws account regarding the limited exclusions of our plan. Those exclusions are pre-existing conditions, preventative/routine care and the office visit fee (vet exam, emergency exam, recheck or consultation). Anyone visiting our website can see this information on our “Benefits, Coverage and Exclusions” page.
Seven years of great coverage and service
We are very satisfied with Healthy Paws pet insurance. The mobile app makes it super easy to submit a claim and the review/reimbursement process always moves quickly with good communication and responsiveness. I highly recommend and appreciate their efforts for personalized follow up.
Insurer: Healthy Paws
By: Melissa
Pet Insurance is saving my dog from a painful life
My previous dog had cancer. I didn’t have insurance and had heard that it wasn’t worth the money. I spent all of my savings on chemo for him. When I got my new dog I was afraid she would get cancer one day and I would not be in a financial position to pay for it. I never wanted to be in a position of putting my pet to sleep because I didn’t have the money for health care. My vet recommended Trupanion and I chose a 1000 dollar deductible to keep my premiums down. I thought that I would be able to cover vet costs unless she was hit by a car or ended up with cancer when she was older. My new puppy seemed happy and healthy until she was 5 months old and I noticed she limped after a busy day. She also started to have a problem with yeast in her ears. Now my dog is 20 months old. Her ear problem has continued and I have now spent more on her vet care for her ears than my deductible. While it is nice that costs associated with her ear infections is covered now, I could come up with the money to pay for it. Her problem with limping, however is a different story. My beloved dog Calabaza has elbow dysplasia in both front legs. Without Trupanion I would not have been able to pay for the CT scan that was required to confirm the diagnosis and plan the course of treatment let alone pay for the treatment. Without treatment my beautiful golden retriever would suffer from arthritis as her elbow joints disintegrated. As a pet owner who considers her dog a member of the family it would have been devastating to have to decide between helping my pet or financial ruin. Luckily, I don’t have to make that decision, thanks to the Trupanion policy I purchased. I am so grateful to have Trupanion. Within minutes of the specialist vet telling me Cala needed a CT scan I received an email telling me what Trupanion would cover and how much my portion would be. My dog is having surgery in a few days and I can spend my time deciding how I will manage her aftercare instead of trying to find a way to covèr the cost. Thank You Trupanion!!!
Insurer: Trupanion Canada
By: Jeanine
Great Company
I’ve had Healthy Paws insurance on 4 of my dogs over the past dozen years. They remain consistently great to work with. Claims are processed quickly, it is very easy to understand coverage, and I don’t ever find myself fighting to get a claim paid out. I got a new puppy a few months ago and didn’t think twice about immediately enrolling her with Healthy Paws. When she needed emergency treatment a few months later, I didn’t have to consider cost at all. Sure enough, Healthy Paws paid the claim within a week. I highly recommend this company!
Insurer: Healthy Paws
By: Zach