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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Happy with my coverage
I like how easy it is to submit a claim. My dog was recently. diagnosed with diabetes and I am making numerous visits to the vet. So being able to just get an email receipt and download it to my account is great.
Insurer: MetLife
By: Danafly
You take as long as possible to review…
You take as long as possible to review very simple pet insurace just so that you might not have to make a single vet appointment payment,
Insurer: Nationwide
By: customer
Handled easily and swiftly via the app
Incredibly easy to submit via the app, and I received my payment within about 1 week, along with a very clear statement about what was covered or not. Payment terms were fair and expected.
Insurer: MetLife
By: Leslie Giordano
Coverage for a very important procedure…
Coverage for a very important procedure was denied. It was difficult getting the claim form to file an appeal. The form was submitted along with letter from veterinarian weeks ago and I have not heard anything. That is what I will tell my friends. I have sent my contact info if you have questions about my review.
Insurer: MetLife
By: TDobs
The whole process of filing the claim…
The whole process of filing the claim and payment was smooth and easy!
Insurer: Pumpkin
By: Antonia Vasilopoulos
Grateful for Healthy Paws
I’ve had Heathly Paws since the day I brought Linus home. He is 6 years and 6 months old. We found out a couple of weeks ago that Linus has a tumor and had to have a leg amputated, this was the first time I had filed a claim and Healthy Paws made this difficult time so easy. So glad I chose Healthy Paws.
Insurer: Healthy Paws
By: Gerry Cantwell
I had them since 2020 and the one time…
I had them since 2020 and the one time that I actually needed their insurance they claimed “pre-existing condition” for a surgery, even thought my dog has never had issues other than an ear infection. They then want to jack up the rates by 35%? Unbelievable.
Insurer: Pets Best
By: iJayTTV
Rate increases
The easy of submission for claims is nice and they due process quickly but it’s absolutely ridiculous what the company does every year raise the monthly rates. I started at 28 dollars a month and now pay over 100. They also doubled my deductible to 500 and now only cover 70 of cost. And they do the reimbursement in a very shady way where they first reduce the bill to 70 percent and then add that to the deductible so it’s a much less number that gets added each time.
Insurer: Healthy Paws
By: Adam
I insured three dogs with Nationwide…
I insured three dogs with Nationwide and had a very disappointing experience overall each and every time. Despite paying monthly premiums for all three pets, I found that all claims—whether for routine care or legitimate medical issues—were either minimally reimbursed or denied entirely. The most recent example was my dog’s ear hematoma, which was denied as being related to a “pre-existing condition” (ear infections/otitis). This was frustrating, especially since it required real treatment and significant out-of-pocket expense. What concerns me most is the pattern across all three dogs. Even for relatively minor visits and check-ups, the reimbursements were so limited that the insurance provided little to no financial benefit. Between deductibles, partial reimbursements, and broad interpretations of “related conditions,” I ended up paying nearly everything myself while still paying monthly premiums. At that point, the policy no longer made financial sense, and I chose to cancel coverage for all three pets. I would strongly encourage others to carefully review how pre-existing and related conditions are defined, as this can significantly impact what is actually covered.
Insurer: Nationwide
By: Ko Disher
Healthy Paws makes submitting claims…
Healthy Paws makes submitting claims easy, and the response is quick. Your website is very user-friendly. This matters!
Insurer: Healthy Paws
By: Ladyblum