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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Wonderful pet insurance company
Excellent and prompt claim service. Easily navigated web site and app.
Insurer: Embrace
By: Jane
Fantastic Pet Insurance
We had only been with Trupanion for a few months when our dog became very ill and had to be hospitalized for 12 days. Trupanion ended up paying for most expenses and we are truly grateful. Everyone we dealt with was helpful and we are glad we switched to Trupanion!!
Insurer: Trupanion
By: Marty
100% Recommend Healthy Paws!
I always tell new pet people that if they can afford it, get pet insurance as soon as possible. When we adopted our dog Luna in 2014, I researched all the major insurance companies. The main differences among the companies had to do with cost, the deductible (per condition versus annual), and the approval process. I decided on Healthy Paws because while new to us, our dog was an adult and formerly stray, so I didn't know what we'd face in the first year (injuries, various illnesses??), so an annual deductible made more sense to me, in case there were multiple different vet visits. While Healthy Paws doesn't offer a pre-approval, it's been super easy to file claims. If for a vet visit, their office can email the Healthy Paws claims department directly; if I'm picking up medication, I can submit a claim online. Healthy Paws has always reimbursed us very quickly (like 1-2 days) and has covered dozens of claims at this point for surgeries, medical tests, and prescription medications. I've never had a claim denied that I expected would be covered. Any time I've needed to call Healthy Paws to check in about a quote from my vet's office, or straighten out my paperwork (lately sometimes I've needed to make multiple claims per week and have mixed receipts, oops) -- the customer service representatives are SO nice, SO lovely to talk to, and are clearly animal lovers who are happy to help pet people out. Over the past year Luna has been really sick and it's been *such* a relief to know that Healthy Paws will cover the various tests our vet has proposed -- it makes taking care of a pet so much easier. It's definitely been a good financial decision for us to pay for insurance since 2014; the reimbursements have outweighed the cost as Luna has gotten older and had health issues. I would definitely recommend Healthy Paws to other pet people! Thank you so much!
Insurer: Healthy Paws
By: Alexandra
Satisfied with Healthy Paws!
I bought puppy health insurance not knowing I would need it so quickly. On day 17 (2 days after the waiting period ended), my puppy became ill and spent 4 days in the hospital in ICU care. Healthy Paws stepped in and supported the claim. I was thrilled and it gave me a great peace of mind.
Insurer: Healthy Paws
By: Stacy
Best Insurance company
We have had healthy paws for a few years now with both of our dogs. This is the only insurance company I've ever worked with that has personally reached out after any surgeries to check on our dog's health. I was pleasantly surprised when I received a personalized email asking how our dog Ralph was after a minor procedure to remove a lump. Their app is extremely easy to use and I've never run into any problems. The claim process is also easy to follow and I have never had any issues. Reimbursement was received within 1-2 business days. Would highly recommend this insurance company.
Insurer: Healthy Paws
By: Sarie
Fast, courteous, excellent service.
My Labrador retriever got a foxtail in her nose that has been hard to locate for removal. This has meant a repeat visit to the vet. My dog will require a rhinoscopy tomorrow. Trupanion has provided immediate coverage for each procedure. I could not be happier with the way this has been handled.
Insurer: Trupanion
By: Larry
there when you need it.
there when you need it. this is the second time we have had to use our insurance but it was a lifesaver. Instead of worrying about how we were going to pay for his treatment we could focus on on his treatment
Insurer: Trupanion
By:
Hands down the best!
Absolutely the best experience. My dog was very sick and we had to do lots of various testing that cost a boat load of money. After each visit I submitted the required paperwork online and within 3 days I had the money back in my account. Put my mind at ease knowing they were working fast to reimburse me allowing my dog would get the best possible treatment.
Insurer: Trupanion
By:
Great Emergency Pet Insurance
Claim process was extremely easy. All I had to do was take a picture with my iPhone of the bill and upload it into the claim window on the app. Took 5 minutes max and they paid my claim in 48 hours. It made taking my dog to the emergency clinic less stressful knowing that I would be covered for the majority of the visit and could place the bill on my credit card without worry of having funds to pay it back. Thank you.
Insurer: Trupanion
By: