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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Easy to use, great customer service
I was hesitant to purchase pet insurance - it seemed expensive and unnecessary. Then my dog had an emergency vet visit and I quickly realized the value! I researched and compared brands and finally decided on Healthy Paws because it seemed like the best fit for what I was looking for. We have had this insurance for over 3 years and our 4 year old Golden Retriever has already used it several times. They cover 80% of our costs outside of standard well visits, etc. We had a very expensive surgery to remove a possible cyst and it was totally covered. Aside from the good coverage, I also LOVE how easy it is to submit claims. I usually scan my receipts and records while standing in the vets office checking out. If covered, I have a check within a week. They have great customer service and I highly recommend.
Insurer: Healthy Paws
By: Kelly
Happy to have good pet insurance
So glad that we have pet insurance when we need it. Mia is not often sick, but after relocating to Northwest Florida from South Florida we encountered a sick doggie. We were quickly able to locate our new vet who was awesome. He prescribed medications and Mia was on the mend rather quickly. So good to have a happy girl again. We filed a claim for yearly visit before we moved on 11/30 and it was paid out by 12/3. We filed this last claim on 12/9 and it is in process of being paid out. Claims are easy to file. I do it myself now rather than bother my vets staff. If Nationwide has a question they email and I am able to fix the issue and the claim goes on. We now have our 2nd pup on the plan through my work insurance. How cool is that? So far no problems with our pup so we have not had to file for her, but when we do, we know Nationwide will respond quickly. The only thing we do not like is that the premium has gone up every year. Mia is worth it but it if gets much higher we may have to find a different insurance for her. They say age of dog does not matter nor do the amount of claims but it has gone up significantly from what started at 80/mo to now 143.00. Nationwide you need to get a handle on that piece or you will lose customers.
Insurer: Nationwide
By: Tina
Best Decision I have ever made besides getting my dog
I am not normally a review person…but sometimes a company goes above and beyond even my expectations and I feel they need to be recognized as such. My last dog had a lot of health issues and 13 years ago dog insurance was not talked about much. This past year I got a new puppy and decided from the get go to get insurance on her. I did my research and Healthy Paws came out on top across the board so I signed her up. It was the BEST decision I have ever made. No one can foresee the future, but it turned out during the first year of my new puppy’s life I would need that insurance time after time. From possible obstructions that resulted in exploratory surgery to gastrointestinal issues that are still in the process of being resolved, they have been there to give me peace of mind. I know I can afford the very best care for my baby and they reimburse me faster than I even thought possible. Well within the 10 day period, I had the money back in my account. They even emailed me to check up on her and when I needed to call them about a question they were kind and compassionate and answered all my questions clearly and quickly. You may think I don’t need this…it’s an added expense… but for as little as $30 a month you have the peace of mind knowing your dog’s life can be saved and you don’t have to say goodbye because you can’t afford it. So eat in one extra night a month and instead get Healthy Paws insurance. Your four legged child will thank you for it and so will your bank account.
Insurer: Healthy Paws
By: CHRISTINA
Quick and easy claim
Needed to submit a claim for some medical care our pup received after a bee sting. The process was easy to follow and Embrace responded and fulfilled the claims quickly. Great reliable service!
Insurer: Embrace
By: John
Healthy Paws saved our tripawed cat!
The hope of pet insurance is that you never have to use it. I have been a customer with Healthy Paws for two years before actually needing them! Unfortunately, life happens. Our cat ripped all ligaments in his knee and needed an immediate amputation. Pet care sometimes puts the owner in an impossible position. The expense toll it can take is incredible but having Healthy Paws backing me up made the choice easy. Once I submitted the paperwork via their easy to use app, it only took a week for the checks to arrive at my house. They covered 80% of the incredibly expensive surgery. Their customer service was knowledgeable and empathetic. The only downside is you have to pay upfront which can be challenging if you don't have a credit card to charge. I will preach pet insurance for the rest of my life after this! Healthy Paws was great! I am not sure how it will affect my monthly payment yet, though.
Insurer: Healthy Paws
By: Laura
Easy to use and So much is covered!
I have had a few different pet insurances in the past and this one is my favorite for a few reasons. 1 Low deductible, only 100! 2. They cover almost everything! Most of the other policies we had did not cover check ups or prescriptions which are the most expensive (other than emergencies). 3. Quick turn around! I usually get paid within 2 or 3 weeks which is much faster than other companies I have worked with. 4. They seem to really care about my dog, they always check in after we have a visit!.
Insurer: Nationwide
By: Krysten
Healthy Paws is easy to work with
We've been very happy with Healthy Paws Pet Insurance. We're new to having pet insurance and were reluctant to purchase it, but with 3 dogs it seemed necessary. Healthy Paws is easy to work with, they do just what they say (!) and they are very prompt in paying claims. I especially appreciate how easy they make it to check everything online.....payments, progress of claims etc. I highly recommend Healthy Paws.
Insurer: Healthy Paws
By: Elena
Great coverage. Quick reimbursement
It was amazing and how well covered my dog surgery wise and how quick the reimbursement took place. I also surprisingly received an inquiry as to how my dog was doing. Fantastic job
Insurer: Healthy Paws
By: Ellis
Great service
This is the first time I have had pet insurance. I didn't think it would be worth the money. Wow, was I wrong! It started the day we brought our bulldog puppy home. In her first year we have been reimbursed more than the cost of the insurance. She needed knee surgery and it was covered with no issues. I submit claims. I have the money within a week. It's in my account within a week of submitting a claim! The service has far exceeded my expectations.
Insurer: Nationwide
By: Karen
Pretty Easy process
Overall the process was VERY easy. The ability to upload the bill was easy, follow up on the website was not easy to see where the review was at, the claims page just noted "under review". The only issue I had was where the payment was sent. I had two different vet bills and I did ask that payment be sent to the vet's directly. Whoever cut the check sent the entire claim about to 1 of the clinics. When a customer care rep called to check in, even she could not tell me where and what about was being sent. This has delayed the process as the check now has to be re-issued to me to properly distribute the funds. However, overall the process was easy and when I do talk to someone they are very caring.
Insurer: Hartville
By: Laura