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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Great insurance
This is the first dog I’ve insured and it’s already paid off at age 6. She needs allergy meds (covered) and recently had surgery for cyst removal (covered). The response time is very prompt. I feel assured that if she ever gets really sick, she’ll be covered. My last two dogs cost thousands of dollars in their last years.
Insurer: Healthy Paws
By: Jessica
Thank You for your Wonderful Service
I want to thank each and everyone of you at Embrace Pet Insurance. I have had my dog and 2 cats insured through Embrace for several years and up until recently, I have been lucky to not have to submit a claim. Unfortunately, my kitty, Smokey, began losing weight. He was very sick and I was taking him to the Vet and after much testing, they found he had Triaditis and Cancer of the Intestines. Needless to say, it was expensive and had it not been for Embrace, I could not have given my kitty extra time and comfort before I had to send him to the Rainbow Bridge. Embrace made it so easy to submit claim forms for each Vet visit, each test, all the medication poor Smokey was on. They processed the claims efficiently and quickly. They approved everything that was covered under the policy I chose and the checks were in my hands so I could continue to try to help my kitty. Smokey was the sweetest, kindest cat I have ever known. I miss him so much. After I let Embrace know that Smokey had past, I received a beautiful sympathy card from them. The employees wrote individual messages to me and I can't tell you how wonderful that made me feel. They cared and they treated me with the upmost respect during this horrible time. I cannot encourage you enough to get Embrace Pet Insurance for you beloved fur kids. This is an A+ company and compassionate too.
Insurer: Embrace
By: Joyce
Best Pet Investment!
I'm not big on leaving reviews but I cannot recommend Trupanion highly enough! My puppy chewed through an electrical cord, 2 days after we decided to buy pet insurance, and the bills were huge -- over $3,000. Trupanion paid over $2,500 and the check came within 3 weeks of the incident. The service was was wonderful in every way--from the customer service rep I called to figure out how to file a form, to the email updates about my claim.
Insurer: Trupanion
By: Jen
So easy, and great reimbursement!
When I adopted my puppy Frances, I knew I wanted pet insurance for her, after having spent a great deal of money on previous pets. We just made our first claim a couple of weeks ago, as Frances has been struggling with a serious illness that we are still trying to get to the bottom of. The worst thing to have to consider when your beloved dog partner is sick, is whether you can afford a diagnostic test, and any ensuing treatment. The claims process using the Healthy Paws app could not be any easier! I received immediate confirmation that it was received, and the communication from them regarding our benefits was top notch! I received 90% of my vet costs back! I honestly don’t usually take the time to post reviews, but I know it’s very difficult to know if a company is going to be worth it, especially when it has to do with Health. I also wanted to mention that I received a follow up personal emails asking how Frances was doing, and truly feel supported. I one hundred percent recommend choosing Healthy paws to protect your furry loved one!
Insurer: Healthy Paws
By: Sydney
Quick, Easy, & Caring!
Healthy Paws Pet Insurance has been an enormous help with our 1 year old puppy. After having expensive health problems with a previous pet and no insurance, we were determined not to make the same mistake again. Healthy Paws came highly rated at an incredible price. Before we knew it, our puppy had injured her knee and required major surgery. With each vet and hospital visit, we quickly and easily uploaded photos of our receipts to the Healthy Paws app and claims were processed in a week or less each time. Healthy Paws literally saved us thousands of dollars and took an enormous financial strain off our shoulders.
Insurer: Healthy Paws
By: Brittany
Great insurance for peace of mind
I have had a great experience with Healthy Paws, and I have recommended them to quite a few friends. They are quick to process invoices, and reimbursements happen quickly and as expected. Every vet bill we've received has been processed exactly as I would have expected, with no hidden fees or surprises, and no questions asked. My 3 year old pup has already needed 2 significant types of treatment, first, she was hospitalized for 2 nights when she was sick and became severely dehydrated as a result. Luckily, we only had to pay a fraction of her stay for around the clock monitoring and medications, so it made this scary time way less stressful. More recently, she needed a minor surgery, and we were glad to have Healthy Paws who covered it as expected. While we have been extremely satisfied and will be lifelong customers, I am a little disappointed at how much our rates have gone up over time. We were assured rate increases are not tied to usage or to breed/age, so I was surprised to see more than a $10 a month jump in our monthly fees for this year, which is why I took away a star.
Insurer: Healthy Paws
By: Meghan
Healthy Paws gives me peace of mind that I can always do what is best for my pet
I have had several claims with two of my three dogs that have Healthy Paws pet insurance. My oldest dog, Grayson, had a collapsed lung a couple of years ago and I thought I was going to lose him. I was able to go to the emergency room with him and confidently say yes to all of the tests and x-rays they needed to diagnose him. When I was told that they could save him, but the surgery would cost $4500, I didn't have to make a hard decision because I knew Healthy Paws would cover most of the cost. When it was all said and done, I had spent almost $6500 and was reimbursed for a big chunk of that. I had not even spent that amount of money on premiums for my dogs yet! I love that there is an annual deductible and a no hassle claim process. Grayson is now much older and needs ongoing physical therapy (underwater treadmill, acupuncture, stability exercises) that he gets at a specialty referral hospital. Healthy Paws is covering that as well and now I can help Grayson stay happy and get stronger so that he can live his best life and enjoy his walks again.
Insurer: Healthy Paws
By: Danielle
Look No Further! Healthy Paws is far better than the rest!
Where do I even begin? Few people will ever know just how truly grateful I am to have Healthy Paws Pet Insurance for my baby. I didn’t know it was possible to find an insurance company that not only has excellent customer service, but also truly and sincerely cares for your furry loved ones…yet Healthy Paws is that company! I very rarely write reviews but due to the outstanding support I’ve received from the Healthy Paws family, sharing my story with the world is the very least that I can do. Allow me to tell you about my baby Ollie. Ollie was the greatest, happiest, friendliest, and most beautiful long legged dear head chihuahua you would have ever met. We rescued him has a puppy after finding him abandoned on a hiking trail. We immediately bonded with him and he instantly became a member of my family. As an attorney, I’ve been trained to always think of “worst case scenarios.” That training led me to look into insurance companies for our little Ollie “just in case” something terrible were to happen (knock on wood.) Low and behold, a year and a couple months later, my baby (who was only a year and a half old at the time) was diagnosed with leukemia. Needless to say, we were beyond devastated. As we all know, hearing the word “cancer” knocks the wind out of you. The very first thought I had was “Will he be okay?” Then the very next thought I had was “Will I be able to afford his chemotherapy treatments?” The day he was diagnosed, we arrived home from the animal hospital in tears. Ollie was admitted in the hospital so he wasn’t with us. I picked up the phone and called Healthy Paws, barely holding back tears. After explaining Ollie’s diagnosis, a calm, comforting, soothing voice on the other end of the phone told me not to worry about a thing. The rep told me to focus on being there for Ollie, focus on supporting him and fighting for him. Then the rep told me the magic words…”you’re completely covered.” A wave of relief washed over me. For the next two months, we focused on just that…treatment. We aggressively fought Ollie’s cancer with everything we had knowing Healthy Paws had our back. Healthy Paws didn’t deny a single one of our 40+ claims…not…one. Healthy Paws paid 90% of everything (excluding exam fees), in full, on time, and transferred the reimbursement directly into my account without any delay. No issues, no hassle, no fuss. Ever. I would charge the treatment on my credit card and within the week, the funds would be in my account. I couldn’t have prayed for a better financial partner. Unfortunately, our little Ollie didn’t make it. He succumbed to cancer almost two months after he was diagnosed. After tallying all of his medical bills, it was in the tens of thousands range (yes…I know. Plural not singular.) Healthy Paw’s never once claimed or denied any claim and thank God there were NO lifetime caps. None. Just peace of mind during a tumultuous time. A few days after Ollie passed, I received an unexpected, beautiful, and heartwarming email from Healthy Paws extending their condolences. It was one of the kindest emails I’ve ever read. There was no doubt that I would be a Healthy Paws customer for life. Wow this review is long! Let’s quickly fast forward to today. After much needed time to grieve our loss, my family ended up rescuing another puppy. I knew EXACTLY where to go for insurance. I had zero doubt or hesitation signing up! In fact, I was worried that I’d be denied since Ollie’s payout was much higher than the premiums I paid. But my new baby Nala was approved! Unfortunately, Nala developed a very rare condition that required her to have surgery at only 7 months old, but once again Healthy Paws pulled through! They paid for her surgery without asking any questions. A week or so after her surgery, I received another amazing email from a Healthy Paws team member asking me how she was doing! Once again, I was blown away!! HEALTHY PAWS IS AMAZING! There is absolutely no need to ever look elsewhere. I love this company because they love their customers…I will be a customer for life. Insurance companies around the world need to take a page out of Healthy Paws’ book. THANK YOU HEALTHY PAWS!! You are officially a part of my family! Thank you thank you thank you!
Insurer: Healthy Paws
By: Ugo