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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Petsbest is a scam, try their best to deny a claim basing on "preexisting condition" even when provided evidence by vet
We are a first time pet owner and adopted our cat Zelda from a rescue. She had no medical issues or concerns upon our adoption. After 6-7 months of ownership, we took Zelda to the vet for a regular checkup. While at the vet we asked the vet regarding cats vomiting habits the vet informed us about hairballs and frequency of vomiting on an average cat. We also asked her about what cat food she would recommend (the foster parent had given us the remaining food when we adopting her purina kitten food) . This questioning was written on her medical records. we purchased pets best insurance after the regular checkup but prior to changing her food. We introduced the new cat food to zelda and soon after zelda began vomiting much more frequently, we took her to the vet and the vet stated that zelda probably has a food sensitivity to the new food and recommended a different cat food (this was noted on her records as well). We introduced the new food and her condition got worst and in addition to the vomiting she was lethargic, developed diarrhea and she lost weight. The vet suggested an ultrasound (august 4th) with results showing no issues. she again suggested a different food, this new food has worked so far and zelda hasnt had the issues that she experience with the other two foods. During this entire time we filed each of the pet bills with petsbest and they issued credit for all of them except for the ultrasound which was close to $400 they denied the claim citing " preexisting condition", after speaking with them they stated that there was a record prior to us purchasing insurance that mentioned "vomiting" and as a result they are denying the claim. We appealed the claim and had the vet provide a detailed letter stating the reason for the "vomiting" being mentioned in a prior record. After 2 months of waiting we just got a letter denying the appeal. We felt cheated! they based their entire denial on a record that had nothing to do with any medical condition. The ultrasound was merely a diagnostic test and it was clear that Zelda's "condition" was a result of a change in food and not a serious medical condition, the Vet agreed with that, the ultrasound proved it and most importantly the medical records clearly spoke for itself considering the change in her condition as a direct result of the change in her food. We cancelled our policy immediately with petsbest after the denial of our appeal. We have spoken to a several other insurance companies since and here is what we found. 1. it is best to purchase the pet insurance IMMEDIATELY after obtaining the pet, as long as no medical records exists for the said pet the insurance company will have 0 basis to point towards an existing condition. 2. If the above is not possible best to go with an insurance company that requires an examination prior to issuing the policy ( Healthy Paws Pet Insurance, Embrace, Pet Plan, Nationwide, Figo, Trupanion) as long as your pet is healthy and any preexisting conditions is mentioned on the report then the insurance company will base their decisions from that report. 3. If your still considering petsbest please note of the lengthy claim/appeal process (over 1-4 months, we filed our report on August 5th for the ultrasound, was denied on sept 17th and our appeal was not answered until December 14th), If we knew of this from the get go we would have immediately gone with another company.
Insurer: Pets Best
By: Pooyan
I absolutely love the coverage I get from Healthy Paws.
I’ve been with Healthy Paws pet insurance for many years, covering six dogs during that time. I have had to file major claims on three occasions for two different dogs, and each time the claim process was straight forward and efficient. Not only did Healthy Paws reimburse me for my claims, but always followed up personally to see how my dogs were doing. The people at Healthy Paws are just very nice and caring. I can’t imagine a better pet insurance.
Insurer: Healthy Paws
By: Gary
Easy, Lightning Fast, and Compassionate Reimbursement from Healthy Paws!
Incredible experience! They processed my claim in TWO DAYS and were so caring and compassionate in their communication. Submitting a claim was as easy as uploading two medical records. It took less than five minutes. Details: My beagle mix was attacked during a walk by an unleashed dog. It was horrific, his back leg got mauled, he lost a tooth in the scrap, and the bill came out to just under $2000. I submitted my claim, and within TWO DAYS, Healthy Paws had reviewed my claim and informed me that a check for 80% (minus the $250 yearly deductible) was on its way. I almost cried, the dog attack was so awful and the claim process was so easy. I just uploaded the vet invoice, and the medical info sheet, and while this was not necessary, I included pictures of the wounds. The site was very easy to use and I had no problems uploading the attachments. A week later, I received a message from a representative asking how my beagle-mix was doing. My check arrived very quickly. I recommend this company to everyone!
Insurer: Healthy Paws
By: NICOLE
Very unprofessional
This insurance is a waste of money. The monthly rate is fairly high compared to other insurances. They don't cover dental. My puppy had a lesion that required an FNA with subsequent biopsy. Since the lesion was there before the insurance was in effect I expected the claim to be denied as pre existing. What I find outrageous is that the insurance excluded all and I mean ALL skin conditions now for her. That is highly unprofessional, because they should only exclude THIS one condition that she has and not EVERYTHING. So, beware of this insurance. I have been sending everyone who was asking for recommendations away from this one. I will cancel first chance I get and my second puppy will be insured elsewhere from day 1. Do your research, please - I did not do a good job because I was in a rush and am now stuck with this plan.
Insurer: Pets Plus Us
By: Melanie
Claims processed Swift!
Each claim was quickly viewed & processed in a timely manner
Insurer: Trupanion
By:
Very simple process. Great company!
This claim was actually a continued claim. Super simply to upload the vet bill and voila, the claim was paid! Thank you!
Insurer: Trupanion
By:
Very prompt processing of claims
Very prompt processing of claims
Insurer: Trupanion
By:
I recommend Trupanion
As is always the case in my experience with Trupanion, my claim was handled quickly, compassionately, and professionally. Thanks!
Insurer: Trupanion
By: