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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Fantastic Service!
Healthy Paws Pet Insurance is a great pet insurance provider. I have had amazing customer service. All my claims have been quickly processed with short turn around time. I highly recommend Healthy Paws for your pet insurance provider.
Insurer: Healthy Paws
By: Donna
BUYER BEWARE!!!!
Disgusting Company: This company is an absolute fraud and scam. We signed up under the recommendation of a few friends and they are ALL now considering canceling their policies with this company based on our experience. Our cat was diagnosed with heart disease almost 6 months AFTER we signed up. They tried to claim that this was a pre-existing condition. However, the two SPECIALISTS our cat has seen have both written letters based on their existence medical expertise/experience that there was no way our cat could have had heart disease in June or prior and that he was in great physical condition otherwise. The doctors said that it was actually "IMPOSSIBLE" (yes, they used the word impossible) for him to have heart disease and survive with it untreated for almost 5 months. Period. They ALSO stated that if he had been examined in June that there would be NO WAY this would have been diagnosed during a basic physical. They went on to say that even if we had ordered a full cardiac work up that it would still NOT have been diagnosed at that time. This disgusting company is still trying to claim that his condition was pre-existing since he didn't have an actual physical exam. The last time he was seen by our vet before this diagnosis was in June 2019 and we signed up with this company in June 2020. We did not take him in for an insurance exam because we were told they would only need orthopedic exams to be done in order to be covered. This was also confirmed with our friends that have been with Embrace and they were shocked to hear this is supposedly their policy which has not been stated to any of us. Since our pets did not have any orthopedic symptoms and COVID was rampant at that time, we didn't think it was necessary (based on our in-depth call with their customer service rep that signed us up) for any of our pets to have a vet exam and didn't think we needed to take them in and risk being exposed to COIVD (our home is high risk if we were to get COVID). This has been a battle since November of 2020, it is now March of 2021 and they are STILL trying to claim this was a pre-existing condition despite multiple letters from our vets that are specialists in their fields and when it comes to heart conditions and cats. Our sweet baby passed away a week ago due to this disease and sudden onset of heart failure. We are now having to argue back and forth with Embrace (i.e. the con artists of pet insurance) and deal with his passing at the same time. This has made the situation so much worse because we have to go back and forth with them knowing our baby is gone at the same time. This is literally the last thing we should have to be doing. He was the sweetest boy and now we are wasting so much time and emotion arguing with this company that is basically out to take money from hard working families such as ourselves. What makes this worse is that when we asked for the phone call where they claimed they were supposed to inform us of this policy, they refused, stating that they would listen to it and we would not be allowed to. Basically, we should totally take their word that it was discussed and should completely trust them. Yea. Right. Please take our advice and DO NOT sign up with them, they are disgusting and absolutely have no problem trying to get out of paying claims that are medically backed by doctors. We do extensive work with rescues and other animal organizations that are both in our state and across the country. We will be sharing our story with all of them and making sure no one else has to be put through the same nightmare we have with Embrace. I also notice that all of their responses to the HUNDREDS of HORRIBLE reviews on here are canned responses and the standard excuse they seem to use in regards to "pre-existing" conditions. Bottom line, you will pay an exorbitant amount of money each month with the mindset that you are being responsible and covering your fur babies if something bad were to happen. In reality, they will take your hard earned money and keep taking it. They will go out of their way to deny your claim and will REFUSE to look at absolutely irrefutable medical documentation because they just don't want to cover your pets. Their only goal is to take your money at the expense of your fur baby's well being.
Insurer: Embrace
By: Kristy
Worst experience of my life
This place is a scam, or so incompetent that it might as well be. My cat got sick once and it was a nightmare just dealing with pets best. Go somewhere else, this company is a nightmare
Insurer: Pets Best
By: David
Healthypaws is a must have for any pet owner
I have had Healthy Paws for my Golden since he turned 5. He's now almost 11 and just in the past two years, we have had some meaty claims. Healthy Paws is easy to work with, all you need to file a claim is upload the invoice/receipt from the vet and that's it. Once direct deposit is setup, they deposit the reimbursement directly into my bank. In 6 years of being insured with them, I have yet to have a bad experience with a single claim. We recommend Healthy Paws to friends and neighbors alike.
Insurer: Healthy Paws
By: Ashwin
So thankful for Pets Best Health Insurance!
We are so thankful we invested in Pets Best Health Insurance for our dogs! Our dog, Huck had onset of a lethal disease last summer and had to be hospitalized at a pet ER for 4 days that included many tests and expensive medications. The peace of mind knowing that we had Pets Best health insurance for him was priceless! We were able to rest assured that we were able to give him the best treatment to save his life. We can now rest assured that we can continue his monthly expensive medication and tests to keep him healthy and happy for the rest of his life.
Insurer: Pets Best
By: Debbie
Survey input
Very quick and clear to understand what was and was not covered.
Insurer: Trupanion
By:
I highly recommend Healthy Paws insurance
Our older (7 years) and younger (2 years) dog are both insured by HP. We are very happy with the insurance. They have always been quite reasonable and very prompt in processing and sending reimbursement for our vet bills!
Insurer: Healthy Paws
By: Karen
If only human insurance was as good as my pet insurance!
Human insurance companies could learn a thing or two from Healthy Paws Pet Insurance, truly. When I had to put my first dog down and emailed Healthy Paws with a heavy heart to end my policy, I never thought that I would receive a condolence card in the mail with personalized messages signed by every staffer in the office a week later--the compassion and care that went into such a simple act brought me to tears. Human insurance companies don't do that... Fast forward two years and we got another rescue puppy: there was no question that I would immediately return to Healthy Paws. However, I was thrown for a loop when around Tycho's first birthday, I took him to the vet because he was limping and was told that he needed two knee replacements. At almost $4500 each, I would never have been able to give my big fur baby the care he deserves without Healthy Pets. I submitted all of Tycho's medical history and all of his receipts and within a week of each claim, I received checks in the mail. Again, if only human insurance policies were so simple and accommodating... But that's not all! (I feel like an infomercial, but that's seriously how confident I am in this company.) Amidst the stress of helping my dog recover from his surgery, Healthy Paws customer service sent me follow-up emails to check on Tycho and see how he was doing--TWICE! When was the last time your HUMAN insurance did something like that? I will fur-ever use and promote Healthy Paws to my family and friends. They have cracked the code on customer service on so many levels while simultaneously making claims simple and straight forward.
Insurer: Healthy Paws
By: Christine
Prompt and fair claims payments for 11 years
Our maltipoo has been covered by Trupanion for 11 years (since he was 6 months of age). The claims process has been extremely fast for each claim and the coverage has certainly been worth the premiums we have paid. Highly recommend.
Insurer: Trupanion
By: Wayne
Save your money.
WORST insurance ever. Just save your money for when you need to go to the vet. Really read what a “preexisting” condition is. They don’t need a formal diagnosis to deny something with that reason, which they’ll deny everything as a preexisting condition. I swear I could bring my dog in with a broken leg and it would say “dog had bones prior to policy start date.” Can’t get ahold of ANYONE from customer service. Waited forty five minutes on hold just to get hung up on. Took over a week to respond to my emails (multiple emails, got one response). SAVE. YOUR. MONEY.
Insurer: Pets Best
By: Shaughn