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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Wellness care
Just signed up our new adoptee to Pets Best. Decided to include Well Care. Shortly thereafter had our initial Vet visit and submitted that claim. The process was simple and straightforward. The claim was processed and paid in quickly and with a clear explanation of coverage. So happy that we chose Pets Best.
My experience with Pumpkin Ins.
I have had 5 GSD’s for the past 25 years. In the past 5 years I realize that having pet insurance is a must specially now days when veterinary expenses have more than double. When you have a pet (dog) like a German shepherd they become part of your family really fast and you will sacrifice any expenditure to see them well again. In my case my German Shepherd has had a couple of emergencies that require hospital stays and the charges were astronomical. Pumpkin ins came to the rescue very fast and reimbursed me for almost 90% of the charges after the deductible were met. Pumpkin has excellent customer service guiding you thru the claim process while speaking to a real person. I am very happy with pumpkin pet insurance as of this date.
Insurer: Pumpkin
By: Guillermo
Scammers
This company is a complete scam. Their platform and app never work, it takes WEEKS to get a claim filed and there’s no way to get any information about the process, you will wait hours on hold waiting to talk to a real person, and when you finally do they all act like it’s not their job to help you. No one has answers. They deny everything you submit. There’s a reason all of their comments are turned off on social media.
Insurer: Pets Best
By: Rayne
Love My Insurance
Submitting the claim is super easy and you get a response within a day or two. The funds are put directly into your account within two or three business days. Super great company to do business with. I've recommended to many family and friends.
Insurer: Pets Best
By: Pamela Deutsch
Disappointing to say the least
To hear my rates skyrocketed, while supposedly getting 2 different "discounts", finding out I need to wait over a month to even hope for a claim processed, and virtually no option to figure out who's processing my claims or how to get in touch with them, feels wildly disappointing. I know pet insurance takes a bit longer but this is far longer than anywhere else I've found or looked at. I really wish I'd looked more closely.
Insurer: ASPCA
By: Beth Anne
This is out first time making a claim…
This is out first time making a claim and it was very easy and it is nice how they have an app to use which makes it better and we did it our claim on Sunday and we heard back already. We never had pet insurance before and so far it is paying off.
Insurer: Spot
By: Pamela Saari
Long-Term Customers Deserve Better
Our dog has been insured with Healthy Paws since 2017. We enrolled him as a puppy with no pre-existing conditions and selected a plan with 90% reimbursement and a $200 deductible. We chose Healthy Paws specifically for the peace of mind that this level of coverage would provide if our dog ever developed significant health issues. Over the years, our premiums increased periodically. While I was not always happy about the increases, I understood that rising costs affect everyone and accepted them as part of maintaining coverage. That changed a few months ago when Healthy Paws increased our monthly premium from approximately $98 to $225.95. Not only was this a dramatic increase, but they also reduced our reimbursement rate from 90% to 70% and increased our deductible from $200 to $500. What is most troubling is that I was given no choice in these changes and no alternative options. When we enrolled in 2017, there was no provision in our policy stating that pets over a certain age would be limited to 70% coverage. Had such a provision existed, I would have reconsidered purchasing the policy. Now, after nearly a decade with Healthy Paws, we have little ability to switch carriers because most pet insurance companies exclude pre-existing conditions. I was never asked to agree to these significant changes. Instead, I received a generic notification email. Healthy Paws built its reputation on providing peace of mind to pet owners. Unfortunately, these changes have had the opposite effect. During our dog's senior years, when insurance matters most, we are paying more than ever while receiving substantially less coverage. In my view, Healthy Paws should have honored the coverage terms that existing customers originally purchased while continuing to implement premium increases as needed to address rising costs. If the company wanted to adopt new coverage limitations, those changes should have applied prospectively to new customers with full transparency from the outset. I am deeply disappointed and can no longer recommend Healthy Paws based on my experience.
Insurer: Healthy Paws
By: Aimee M
We've been with you for almost 11…
We've been with you for almost 11 years. Always prompt payment for the appropriate claims and if I ever had questions ive always been able to call and get them answered.
Insurer: Healthy Paws
By: Stephen Capozza
Spot Insurance has always received
Spot Insurance has always received, reviewed and processed my claims in a timely manner
Insurer: Spot
By: Rena Phillips
Timely claim completion
Our claim was completed in a timely mannner and the reimbursement was outlined very clearly. I felt comfortable with all the decisions and feel we all worked together as a team in the best interests of my dog. I highly recommend Healthy Paws and would like to thank the representatives for all they do.
Insurer: Healthy Paws
By: Dan Fortunato