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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Fed up
I spent the last week trying to get through to them to discuss my policy and claim. Time spent on the phone on hold not speaking to a live human over that last week equals 4 hours 20 minutes!!!! Today alone was 2 hours 15 minutes and two calls since they cut off the first call! They never called my vet to verify their fax number and when they did not receive the documentation instead of calling they just denied my claim! I have pet insurance on my other two dogs with a different company and I have NEVER had any problems like this with that company! Should have just moved them all to the other insurance company!
Insurer: Pets Best
By: Jen
Company policy denied my claim
Got a new puppy, signed up for insurance and took the puppy to the vet. Vet determined there was a congenital defect with an eye and it had to be removed. Had the surgery, eye was removed. Because the insurance for the puppy was purchased within 5 days of his first vet appointment when this problem was diagnosed, they refused the claim. They got 1 month of premium out of me but they will never get another cent for this practice. I should have waited a week before taking him to the vet, my fault for not expecting an insurance company to be shady like this.
Insurer: AKC
By: John
So happy that we have pet insurance with Healthy Paws!
Our dog went through a bad case of gastritis. She was at the vet for an X-ray and then we had to go the the ER for more treatment and an overnight stay for 2 nights. She had numerous tests done and had to take many medications. Pet insurance brought our bill down significantly! Super easy to file claims as well. And Healthy Paws followed up with me a few days later to see how my dog was doing. Overall a great experience!
Insurer: Healthy Paws
By: Jenifer
The pet owner experience with Embrace met all my expectations!
My veterinarian recommended Embrace when I adopted my puppy. In the first year, i've submitted 3-claims. Claims were paid out, as outlined in my coverage, without contest or delay. My experience with their customer service staff has been exceptional!
Insurer: Embrace
By: Nancy
Able to afford to give our dog the best care possible
Healthy Paws made the process of our dog's need to get TPLO surgery so much less stressful knowing that financially we were covered - pre and post-op care too. Our beloved furbaby got the best possible care and Healthy Paws gave us that peace of mind to focus on being able to give him that best care without any hesitation due to financial strain. They were so helpful, responsive, and really cared about our pup's full recovery.
Insurer: Healthy Paws
By: Sheena
Great service and communication
I am very happy with Healthy Paw's pet insurance. It is very easy to submit claims online.The claims review process was way quicker than expected. Thankfully, I didn't need to use them in years, but so glad that I had insurance when my dog had a ccl injury and required surgery.
Insurer: Healthy Paws
By: Joseph
Healthy Paws is the most awesome pet insurance company ever and I am blessed to have found them for my precious dogs.
I purchased policies for my two puppies 6 years ago from Healthy Paws Insurance, and for the past 6 years they have provided me with the most ultimate coverage ever. The premiums are extremely affordable. A plus is that they offer no caps on lifetime coverage for your pets, which is almost unheard of. . I would never look anywhere else for coverage for my pets. I have found THE BEST. It is a pleasure working with their Team from receptionists to managers. Everyone asks about my dogs by name, and always take time to answer my questions fully. Claims are processed within a couple of days and reimbursement to me is exceedingly fast. I suggest to anyone looking for pet insurance contacts Healthy Paws... You won't need to go elsewhere.
Insurer: Healthy Paws
By: DONNA
Definitions not clearly stated in policy
On our most recent claim, there was a treatment that was not covered under our policy. When I went to reference our policy, this was not clearly stated under exclusions. When I reached out to the insurer to understand where I might have been informed about this exclusion, it was clear that the definition was only included in the additional rider policy. The main insurance policy provides only a vague definition. When questioned about why the definition is not in the main policy, their response was "We can't list every exclusion and defintion". However, an insurance policy and any legal document has a definitions section for this exact reason.
Insurer: Trupanion
By: Samantha
Reasonable Rates, Easy Claim Submittal Process, Fast Claim Processing, Efficient Reimbursement
I have had HealthyPaws insurance for my two cats for years. I think their rates are very reasonable and they always send nice notes on their birthdays. Unfortunately this year one of my cats had his first (and hopefully last) major surgery and I had to submit a claim to HealthyPaws. I was honestly skeptical that the process was going to be as easy as they said (call me jaded because of how hard it is to submit healthcare claims for people). After going through the process, I'm happy to report that it really was as simple as they say (maybe simpler). My claim was approved in a timely manner and there were no "gotchas" in processing.
Insurer: Healthy Paws
By: Nahum
Awesome claims service!
HealthyPaws came through on a large claim for our poor 4 year old pup who needed major surgery on both hind legs. Highly recommend them.
Insurer: Healthy Paws
By: Janis