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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They will find any loophole possible not to pay, avoid at all costs!
This company is a total scam, I have no idea how they could possibly have good reviews. We picked up a 8 month old French Bulldog and bought insurance for him on day 1. We had him for about 10 days before we noticed he had a vomitting issue. We took him to the vet for his initial assessment, gave him his yearly meds/shots/boosters etc. Mentioned to the Dr about the vommitting and so we started doing some followup appointments, doing some tests to try to see what was up with Spencer. We racked up about $1500 in bills trying to see what happened, no diagnosis has been given, he has some kind of esophagus issue but further tests were needed. Unforunately, Covid19 happened and so everything got put on hold. I wasn't worried, I pay a lot of money for my insurance so I put through all the bills as instructed only to find out that my entire claim was denied. They didn't pay for a single $1. They claimed that it was a pre-existing condition because we mentioned that when we got him he was vomitting so for the rest of his life, nothing to do with this issue will be covered. Not only that, because they claim this, we can't go to any other insurance company because it will count as a pre-existing diagnosis even though hes NEVER BEEN DIAGNOSED WITH ANYTHING AS OF TODAY! The vet was furious as much as we are, this company ONLY CARES ABOUT $$. Don't be fooled, theres way better alternatives out there!
Insurer: Pets Plus Us
By: Josh
Healthypaw is the best insurance service ever!
Healthypaws is a lifesaver! I am so glad we have healthypaws insurance since my dog Max was 7 weeks old. He is 3.5 years old. So far, Max had two major surgeries with broken legs and lots of bladder stones in addition to stomach aches, eye pain, torn toe pads, etc etc... Every time we send invoices, they take care of it in a few days and deposit so quickly. Cant' ask for better service and care! Thank you, Healthypaws!
Insurer: Healthy Paws
By: Shinyoung
Great investment!
I'm very happy with my pet insurance! I love how user friendly the website is. It's supper easy to submit a claim! I've never had a problem getting reimbursed and they direct deposit the money in my account in just a few days after submitting the claim. My dog is prone to "issues" due to her breed and this insurance has more than paid for itself on several occasions. For instance, she had to have a surgery that would have cost me $4,000 but her insurance covered 90%! That was a life savor!! I do pay for the higher coverage but everything is covered 90%. Her monthly prescriptions alone cover the cost of insurance. I highly recommend this insurance, especially if you have a breed that is prone to having issues.
Insurer: Healthy Paws
By: Lindsay
Claim process is quick and easy
The claim process of Healthy Paws is easy and streamlined. Once you provided the needed paper work online, the speed of the reimbursement is impressive. It is even quicker than transferring my own money from bank A to bank B. My dog has several major operations over the years and their service is always consistent & professional. Highly recommend!
Insurer: Healthy Paws
By: Chon
Best decision I ever made was to get trupanion pet insurance!
I highly recommend trupanion pet insurance! Super fast with reimbursement (within a week, sent electronically) always available when first going through the claim process, made a bad situation a little easier. Ive since signed up my cat!!
Insurer: Trupanion
By: Lisa
Healthy Paws took the financial pressure out of some excruciating decisions.
When I agreed to foster a little hairless Pom mix for a senior dog rescue I should have just realized from the beginning that he was home for good. It was about two months later that I finally adopted him and went in search of pet insurance. Of course the issue was his senior status, so I didn't know if I could even get a policy. My friend has had a Healthy Paws policy through 3 dogs and 1 cat and said it was the best company by far. Turned out, it was very simple to get a quote from HP--yes, his benefits are reduced because he's already a senior, but that's to be expected--and I was pleasantly surprised at the ease of filing claims through the app. That was what impressed me the most (at first)-- after the vet appointment I could take a photo of the invoice from the vet, and in 4 taps of my finger the claim would submit through the app. There is a lot of email communication (we got your claim, we have a claim number assigned, you forgot to include something, we are depositing your money today, etc) and employees seemed really happy to be working in pet insurance and also would include the names of their pets with their own in the signature line. I love that touch. About 6 months after I adopted my pup he was diagnosed with Cushing's. That meant an expensive pill twice a day for life and regular tests by the vet to monitor the level of the steroid in his bloodstream. He also had thyroid issues, regular checks on his skin and hair loss, UTIs, etc. Every single claim was handled with the app and a few emails and no hassle. About a year after that he was diagnosed with diabetes. Now there's insulin, syringes, lancets, test strips, etc, etc involved, along with glucose curves at the vet about every week for 6-7 weeks to figure out how much insulin to give him. Even though I get much of that stuff at Walmart (because it's the same insulin humans use), the claims were approved once a talked to a rep about why I seemed to be submitting claims for human supplies instead of vet invoices, which I could see would be confusing.. In March of this year a bladder stone surgery somehow went wrong and the follow-up visits weren't solving the fact that he was literally dying (starving/immobile/dehydrated) in front of me. I ended up at the ER, which led to a 4 night stay. I was so scared my little pup was going to die, and I couldn't even go in the building or see him or meet the vets because of COVID. I was stuck crying in the parking lot for much of the next week because after he left the ER he went to an internist there who figured out the problem, and then to a surgeon there who repaired the bladder wall. All of this on a dog just barely hanging in there because his body was dealing with diabetes and Cushings also. I finally got him home--with a feeding tube, huge staples running down his abdomen, and all kinds of secondary issues from being away from his normal meds and unregulated blood sugar. Through the next 3 months he was at some kind of vet at least once a week, he was on about 7 pills a day with all the antibiotics, the feeding tube needed to be removed, the internist put him on the Freestyle Libre continuous glucose monitor (also for humans so you get it at CVS) which requires an electronic reader and a new sensor every 2 weeks. I am happy to say that today, 4 months after I almost lost him, he is acting like himself again. He still has lots of problems, and needs lots of maintenance care, but I am just so happy he's alive and I have him back. I thank him every day for fighting so hard to stay alive for me. All the time I couldn't see him during his overnight week in ER/surgery (because of COVID restrictions) I thought of him being cut open and wondering if he'd been given up again, and it was an excruciating experience. In the parking lot of the ER--because I have been there alot in the past 4 months, I've heard a lot of heartbreaking phone conversations between pet parents in cars and vets inside the building. These people are sometimes sobbing or hysterical and they can't see their pets and they are having to make decisions quickly about very expensive treatments. Because I had insurance, and I knew that Healthy Paws would cover all these efforts at keeping him alive despite his age, I didn't have to go through that. I am so thankful for the ease of working with the Healthy Paws people and the app. If only human insurance could be this way.
Insurer: Healthy Paws
By: Sue
Best customer service
I have 3 rescue dogs ages 2,3 & 9. In the last two years they have all needed emergency care. One ate raisins, that led to 4 days in the Hospital, one had a plastic obstruction in his intestines, and one had a rattlesnake bite. My claims were covered no questions asked.
Insurer: Healthy Paws
By: Hei
Very satisfied
They explain things clearly, give you many options, and have excellent follow-up in terms of communication and offering added value/tips. I have yet to follow a claim, since we're new, but I'm trusting their service and fulfillment will be as good as the service has been so far! :)
Insurer: Spot Canada
By: Julie