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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Coverage hasn't started after almost one year of paying!
Very very poor customer service. We have been paying monthly premiums for close to a year but none of the claims haven't been processed and no refund hasn't been made. I called them numerous times to find out what is going on. Each time, different representative tells me underwriting is not completed as the my vets haven't sent them my dog's medical record. So I told them to contact my vets to do so and they said they would. A couple months later, nothing happened so I called again and same conversation happened. Or some said totally different things. One said she would CC me in the Email to the vets. Ive never received any Email. One said she would followed up with me in a couple days, I never got a call back. I also had to call my vet to tell them to complete the process and they said they did. Finally, I spoked to a reliable staff at my Vet who really felt bad about my situation and helped me to find out what was going on. She called Petsecure and they said the medical record they recieved from my Vet was imcomplete as their Fax machine had issue! Why didn't they follow up with my Vet? Basically, they left it as is. They were gonna leave it as long as who knows..It is very unprofessional. Is it customer's responsibility to call vets and insurance company back and forth to figure out and complete the underwriting process? On the other hand, they never forgot to call me to give them my new credit card number when I renewed my credit card. I guess its not their best interest to start the coverage for my dog while im paying the monthly premiums every month. As of today, my dog's coverage hasn't started after paying for almost a year!
Insurer: Petsecure
By: Yoko
Best pet insurance i could have found!
I have had Healthy Paws for about 5 years now. I got the insurance on a whim after getting a Dachshund (Frankie) from a friend who needed a home. He was about 1 year old or so. A few months after getting the insurance I had to take Frank to the vet because he was choking a lot. After blood work, tests and xrays we found out Frank had Congestive heart failure and an enlarged heart. He would need to be on meds daily forever. He also started having some allergy issues. Basically a little problem child of ours. His medication and tests was covered by healthy paws by 90% !! They are literally a life saver. I could never be able to afford the hundreds of dollars a month for the 4 seperate medications he needs daily. The vet even tells everyone Frankies story. Healthy Paws is amazing. They cover the health problems Frank has now and may have in the future.
Insurer: Healthy Paws
By: NICOLE
So very grateful we had Embrace coverage! The process was very easy and we couldn’t be happier with Embrace Pet Insurance!
Our Shih Tzu ingested poison, and we feared he would pass away. It was so scary! We took him to vet and thankfully they were able to flush his system out. What a huge blessing our Embrace pet insurance covered the bills.
Insurer: Embrace
By: Lisa
Poor communication of documents needed for processing claim
Although I am glad to receive payment, I am not pleased with the claims process. My dog was treated for removal of porcupine needles in his mouth. This happened after hours and I needed to go to the on-call Vet that was covering for my dog's regular Vet. The claim was originally submitted in May 2020. The first hold up was the fact that the invoice number was different on the bill and on the receipt of when it was paid (which was the night of service) I kept getting messages that they needed the name, phone and address of Buddy's Veterinarian. I provided that. They then asked for my dogs records. I had my Vet send them. They kept asking for the records. I kept telling them that the Veterinarian office sent them. They then dropped the claim because of not receiving the records. I resubmitted the claim and finally talked to someone that told me that what they needed was the "doctor's notes" meaning the Notes of the doctor that was on call who had performed the removal of the porcupine quills, not the Records from his regular Vet. The whole experience was annoying. It took 3 months and lots of phone calls. Both Veterinarian offices were great in helping me. I told them that I would not recommend Pet's Best.
Insurer: Pets Best
By: Karen
Healthy Paws is awesome, they are very supportive and filing a claim is simple and easy.
We have had insurance with Healthy Paws for the past 3 years. We have a very active Goldendoodle who is very active and has required medical treatment. Healthy Paws makes it easy. I take a picture on my phone and file my claim. This past week Riley had surgery. Healthy Paws reviewed and paid her claim within days. Any questions you can give them a call. They are always there! Great job !
Insurer: Healthy Paws
By: Karen
Terrific excellent responses never had issue
Can honestly say I have no issues I put in a claim and it gets processed and that is it if there is a question they call the vet very happy with them would highly recommend giving them a chance I think they are a top insurance company for your pet
Insurer: Embrace
By: Maryellen
Healthy Paws is the best!!!
We have had healthy paws since 2015 and would highly recommend them to any dog owner. Our two beagle mixes have had all major expenses covered by Healthy Paws. Claims are paid promptly and the online process to submit claims is easy. Healthy Paws is the reason our dogs have been able to receive the very best medical care. Both "Chilly" dog and "Buster" dog give them 5 wags!
Insurer: Healthy Paws
By: Michael
Great customer service
Prompt processing of claim, quick email communication and I received the check in a couple of days. Great customer service
Insurer: Trupanion
By: Jeanne