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 had insurance!
I'm a believer in insurance, rebates, and being prepared. My hope is always if I buy safeguards, I won't ever need them. I got insurance for Enzo, a now 16 mos old Bernedoodle, when he was 8 weeks old. He's never been a chewer, a barker, a biter and doesn't have an aggressive bone in his body. But after he was fixed at 15 mos old (and fully vaccinated) we let him go to doggy daycare at a highly regarded facility in Huntington Beach. And it was there that my fully vaccinated pup got Bordetella. But it wasn't diagnosed until weeks of x-rays, ultrasounds, multiple blood tests, fecal tests and more. At my vets and at a specialty hospital. All the while, I thought my pup was going to die. He was feverish, depressed (it's really a thing!), lethargic, and lost more than 10% of his body weight. He was dehydrated and had to have an under-skin balloon of water placed to strategically release water to keep him alive. This went on for a month. When all was told and done (and Enzo thankfully survived, thanks to the hard work of Brookfield Pet Hospital in Fountain Valley, Ca), my bills were in excess of $6,000. I didn't have that kind of money, so I charged it. And then I crossed my fingers and sent everything to Healthy Paws. Scanning and emailing the info proved faster than faxing or mailing it. When you file a first claim, you must submit all medical records from inception of the puppies life until the present so they have a full picture of his care. Luckily, most vets can forward this information with detail billings, xrays, and analyses on your behalf. You just need to fill out and send a simple one page claim form. Healthy Paws was fantastic. They responded as soon as my packet was received to let me know they were looking at it. though I sent them 14 months worth of records, nothing was disputed. The checks started arriving within a week of filing the claims, in time to pay my charge card bills. My particular policy had an annual $250 deductible, didn't cover exam fees (an insignificant part of any bill) and then they paid 90% of the claim amount. I received more money back then I had paid in insurance premiums, substantially more money. Never once did they questions the services or second-guess the procedures followed. Once Enzo was well and was back home, they actually wrote to see how he was doing. Have you ever had an insurance company do that for you? Healthy Paws was researched by me before signing up with them and the substantial comments all raved about Healthy Paws. I definitely made the right choice, and was able to concentrate on my pup's recovery without having to deal with the stress many insurance providers would have caused. If you're looking for insurance (and you should be), Healthy Paws is the one for you.
Insurer: Healthy Paws
By: Debbie
Each and every time over our 10 years it has been a smooth experience.
Each and every time over our 10 years, it has been a smooth experience. I submit the claim, get email Communication and receive the reimbursement check in a timely Manner.
Insurer: Trupanion
By: Renee
Very happy with Trupanions' coverage.
Each time I submit a claim I receive a prompt and thorough explanation of where I stand on my pet's deductible. No fuss, no bother, no confusion.
Insurer: Trupanion
By: Lynn
No regrets
Our Trupanion claims take seconds to go through, and without it we'd have a hard time managing our dog's environmental allergies.
Insurer: Trupanion Canada
By: Melissa
Great service, decent coverage
The process was fairly simple, but we were refunded much less than predicted. I'm not sure who decides this, or if there is a challenge function.
Insurer: Trupanion Canada
By: Matt
There was an error on the part of the vet that I was unaware of.
There was an error on the part of the vet that I was unaware of. I received a rejected notice after a confirmed claim and after the surgery was done. I was at work and unable to read the whole thing. Just a suggestion, put something in the body of the email that states second claim for same procedure, or whatever is needed so the client doesn't panic. Other than that, the service, given the time required, was excellent. And I thank you from the bottom of my heart. My furbaby us doing awesome.
Insurer: Trupanion Canada
By: Irene
oustastanding service
trupanion is quick and responsive in acessing claims. they are standing behind the product that i bought.
Insurer: Trupanion Canada
By: dale
Ashley listened and figured out what I needed to add to my claim in order to get paid.
Ashley listened and figured out what I needed to add to my claim in order to get paid.
Insurer: Trupanion
By: Daniel
Each and every time over our 10 years it has been a smooth experience.
Each and every time over our 10 years, it has been a smooth experience. I submit the claim, get email Communication and receive the reimbursement check in a timely Manner.
Insurer: Trupanion
By: Renee