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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Great insurance
It’s a great insurance and process the claim very fast. Definitely recommend.
Insurer: Healthy Paws
By: Lingyan
Healthy Paws came through when we needed them
I’m very pleased with Healthy Paws’ service & coverage. We had a $3000 vet bill for an emergency with our kitten, which was a scary amount to pay for a single visit. Thankfully it was covered by our policy. It’s reassuring to know our insurance works when we need it to, and the monthly fee is affordable. Would recommend.
Insurer: Healthy Paws
By: Claire
So thankful we have Healthy Paws Pet Insurance
After our precious Max was given the diagnosis that he’d torn his knee ligament, we were devastated. It turned out that he needed surgery and it was extremely costly. Thank goodness, we had Healthy Paws Pet Insurance! They came through for us and it was so comforting to know that the staff cared about our situation and honored our policy. We are so grateful!
Insurer: Healthy Paws
By: Roxanne
Never use this company!
This company is horrible! They claim to "We care more so you can worry less".... that is complete crap! I had submitted claims for both of my dogs and I have never had to fight more to get a resolution! After fighting for months my one puppy's claim was "partially covered" because she had pre-existing conditions! The pre-exsisting condition was she was a puppy and vomited due to eating too quickly! So when I submitted a claim because my puppy accidentally got hold of a bag of chlorine and had ingested some and naturally she vomited! Now this company claims they won't cover the claim fully due to she has vomited once before! Then if that wasn't enough my second dog who was about 8 years old unfortunately had to be put down due to a spleenic mass that had her internally bleeding and according to my vet only a 10% chance of surviving an operation to remove it, if she even made it into surgery! So I submitted the claim for my loved dog being put to sleep and now this company is denying the claim all together because my dog about a year prior was noted by the vet to have a skin tag (mass) smaller then the size of a dime on her leg! This company had talked to my vet about the skin tag (mass) in relation to the spleenic mass tumor and my vet said the two conditions are "completely unrelated!" But nope this company who "cares more so we worry less" still denied the claim and has dragged out the processes of closing these claims therfore delaying my families grieving process because every week for months we have been on the phone arguing with the company! Please please do not waste your money and time dealing with this company! They will only aggravate you more and come up with every excuse to not pay back any of your claims! You will be paying for a service you will not get!
Insurer: Embrace
By: Amy
Never use this company!
This company is horrible! They claim to "We care more so you can worry less".... that is complete crap! I had submitted claims for both of my dogs and I have never had to fight more to get a resolution! After fighting for months my one puppy's claim was "partially covered" because she had pre-existing conditions! The pre-exsisting condition was she was a puppy and vomited due to eating too quickly! So when I submitted a claim because my puppy accidentally got hold of a bag of chlorine and had ingested some and naturally she vomited! Now this company claims they won't cover the claim fully due to she has vomited once before! Then if that wasn't enough my second dog who was about 8 years old unfortunately had to be put down due to a spleenic mass that had her internally bleeding and according to my vet only a 10% chance of surviving an operation to remove it, if she even made it into surgery! So I submitted the claim for my loved dog being put to sleep and now this company is denying the claim all together because my dog about a year prior was noted by the vet to have a skin tag (mass) smaller then the size of a dime on her leg! This company had talked to my vet about the skin tag (mass) in relation to the spleenic mass tumor and my vet said the two conditions are "completely unrelated!" But nope this company who "cares more so we worry less" still denied the claim and has dragged out the processes of closing these claims therfore delaying my families grieving process because every week for months we have been on the phone arguing with the company! Please please do not waste your money and time dealing with this company! They will only aggravate you more and come up with every excuse to not pay back any of your claims! You will be paying for a service you will not get!
Insurer: Embrace
By: AMY
incredible!!!
If I could give them 11 stars, I would! Healthy Paws has truly amazed me. I was in complete fear that they might drop me after my 10.5yr Labrador became very ill and had to undergo a liver biopsy, which included a 3 night stay at a costly ER vet.... I had heard stories from people with other pet insurance that were dropped when these big ticket expenses came up, but Healthy Paws stuck with me the whole way!! Their online portal is extremely easy to use. I uploaded my invoices in a matter of seconds. My claims were reviewed within 1-2 days, and my reimbursement checks arrived very quickly. Knowing they were covering a lot of the costs gave me huge peace of mind and the ability to focus my attention on my dog, and making the best health choices for her regardless of price. She's now doing better than ever! I was also very touched to get a personal email from someone at Healthy Paws saying how sorry they were to hear about my dog's illness, and wondering how she's doing. That little bit goes a long way in showing top notch customer service.
Insurer: Healthy Paws
By: AnneMarie
Super Easy and quick reimbursement!
Recently my dog Charlie had her second TPLO surgery - this is a procedure that is over $4K where I live. Healthy paws paid for the first one after I submitted the full medical history for charlie, which took me a while to get. For the second one, I was reimbursed 90% as my policy says within 2 days right into my bank account. They were super helpful and caring, even reached out after her surgery and they paid to say that they hoped she was doing good. They even knew it was her 2nd one! It wasn't an automated email. It was nice to have the personal touch. I highly recommend them.
Insurer: Healthy Paws
By: Mark
Very Satisfied
I am disturbed at some of the negative feedback I see here. I have had 3 of my pets insured with Pets Best for over 2 years now. Over the last 6 months, my dog developed Inflammatory Bowel Disease and required multiple vet visits and specialist appointments, and also a long hospitalization. I filed all the claims in accordance with the guidelines provided and had absolutely NO PROBLEMS. The claims ended up totaling thousands of dollars and Pets Best was very helpful to get everything done. Wait times on the phone are a bit long, but once you get through the reps are very kind and helpful. I would recommend Pets Best. They helped save my dog's life and prevented a financial mess for us. It's well worth it!
Insurer: Pets Best
By: James
Best insurance!
We are new dog owners and everyone recommended getting insurance because goldendoodles are known to get into a lot of trouble and eat everything that they shouldn't! I was unsure whether to do it or not because I hate having a monthly fee for something I might not use. But boy am I glad that I did! We have already had to use the insurance multiple times and my puppy is only 8 months old! It has been extremely easy to submit claims through the app and I am reimbursed quickly. A representative from Healthy Paws has even reached out to check on my Rosie since she's had a lot of stomach trouble lately. They are caring and helpful. We are VERY satisfied with Healthy Paws!
Insurer: Healthy Paws
By: Sarah
I don't know what I could have done with out Trupanion
I had hoped to never have to use the policy but after having owned 4 Shelties before Cetan and not having health policies for them I decided to get one for Cetan. He was the picture of health and a very playful and active Dog. His disease came out of nowhere and slowly and my vets had to perform many different and expensive tests to find out the cause. Now it looks like the current medication may cure him but only time will tell. The medication has some side effects but is the one with the least side effects of all. My Vet had information pamphlets in her office from 3 different companies and Trupanion had the best ratings and recommendations of them all. So I decided to try them. I'm glad I did, I would rather have paid my premiums every month for all of my Dogs and never have had to use the insurance. But Trupanion was there to help us. Everyone I talked to on the phone was very kind and helpful and that helps in times of uncertainty when my pet was looking very ill. Handling my claims online was easy and the payments were sent to me very quickly. Trupanion has better coverage than some of the human health insurance policies I have had and I have to say I owe my Dogs life to Trupanion.
Insurer: Trupanion
By: Cody