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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Embrace your furbabies for peace of mind
This is the first time we have ever purchased insurance for our furbabies. We decided when we adopted a 9 year old Scottish Terrier rescue and then an 8 week old Scottish terrier puppy that we would look into pet insurance due to our previous scottie rescue that we adopted at 3 years old became sick at age 11 and the monthly medical expenses were so high we couldn't afford to go to specialist to find out what the underlying problem was. We had to rely on the local vet who just threw multiple medications at her and she passed away 6 months later. We were devastated and decided if we ever adopted another rescue we would have insurance. The 9 year old rescue was healthy except for allergies, which is a pre-existing condition and not covered by any insurance. We actually thought we wouldn't be able to afford the insurance because it would be too expensive on a senior scottie. We looked into several different insurance companies and liked the fact that we could pick the amount of coverage and deductible we wanted or could afford. We also were insuring our puppy. We inquired with several companies and decided on Embrace. After paying our first month premium, we requested a complete medical review so we knew what was covered and what wouldn't be covered so there wouldn't be any surprises. The insurance was a decent price for 2 scotties. 6 months after purchasing the insurance our senior was diagnosed with osteoarthritis. I sent in the claim and it was approved within 1 week. Recently our rescue was diagnosed with a tumor on her eye and they found a mass under her tongue. I sent in a pre-auth to find outif it was covered. Received the answer and what they approved and what our out of pocket cost would be. They covered most of the surgery and minus the deductible knew what we were responsible for. Thanks to Embrace, we were able to get the surgery she needed. They covered everything they said they would. We feel at ease knowing that we don't have to worry about whether we can afford getting the best medical care when our furbabies get sick or injured because Embrace has us covered.
Insurer: Embrace
By: Tammy
Amazing!!!
Healthy Paws is the best pet insurance by far. As a petrent, it breaks your heart when your furbabies are sick, but it's worse if you are not able to cover the costs to make them better. We chose Healthy Paws 3+ years before we ever needed to make a claim. When our oldest dog needed surgery, I was so emotional, I didn't even know what to do to start the process. I called customer service, they walked me through everything they needed, and within HOURS of submitting the information my claim was being processed, and we were getting set for surgery. I was amazed! After surgery, they followed up to see how my pup(and us) were doing - super sweet. Honestly, from start(customer service) to finish(direct pay/claim processing), Healthy paws could not have been more helpful, understanding(I was a mess) and patient through this process. Getting Healthy paws insurance is one of the best things we ever did for our pups.
Insurer: Healthy Paws
By: Renetia
Easy, cost-effective, and it actually works
I've had Healthy Paws Pet Insurance for my dog since she was a pup--going on 5 years now. Customer service is very responsive and easy to work with. Claims are VERY easy to submit (you just take a picture of your vet bill and submit--that's it) and reimbursement has never been an issue. I've never had a claim denied, never had to argue with HP over anything, never had any issues. The only catch is that over the life of your pet and its policy, your premium will slowly increase. But even so, one covered emergency visit/overnight hospitalization will basically allow you to break even. If your pet is unfortunate enough to suffer multiple health complications, the policy will pay for itself and then some. Highly, highly recommend for any pet owner that doesn't want to have to weigh the cost of care versus the well-being of their pet.
Insurer: Healthy Paws
By: Robert
Not too sure about recent experience
The process was easy because the claim was sent by my veterinarian and that way, I didn't have to worry about the information or wording as appropriate -- BUT....I was not happy with fact it was turned down, saying the surgery removing Skye's adult tooth that was causing problems and would as he grew older; the previous attempts to correct his baby teeth was similar in that the two lower canine teeth needed to be removed so the adult might come in correctly. The reason I was given was that this was a preexisting condition before we put Skye on Trupanion; but we added all three of the dogs changing from Embrace; but Skye was a puppy we had just gotten at the same time we were changing insurance for them....so I understand that wellness is not covered, including prevention of teeth issues by having their teeth cleaned, etc. -- this was surgery and NOT just wellness in my thinking, there fore I was expecting at least some of the cost would be covered....I suppose there is nothing I can do to protest and so don't plan to try but I was very disappointed in the face I had Skye insured and still just paying premium for "nothing"....even partial coverage on the fact it was necessary for his health as he gets older and not just because we wanted him to have nice white, straight teeth for cosmetic reasons.
Insurer: Trupanion
By: Anita
Online claim
Submitted online claim. Very easy.
Insurer: Trupanion
By: Timothy
Good Process with certain exceptions.
It's quite good just sometimes the coverage is not the best which fluctuates the deductible part is always confusing.
Insurer: Trupanion
By: Kayhan
This was my first claim it was a Wonderful experience Highly recommend
This was my first claim it was a Wonderful experience Highly recommend
Insurer: Trupanion
By: Jacqueline
Great Service!
Excellent service as always! Great company! I have been a customer for many years - always efficient and accurate service - no problems with claims ever!
Insurer: Trupanion Canada
By: Lorrie