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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Payment Processing
When I first began coverage four years ago processing claims were very quick. Now I am told it takes up to 30 days. This is way too long.
Insurer: Nationwide
By: Joe
5 Month old puppy swallows CPAP mask Healthy Paws to the rescue!
So I bought a 8 week old white boxer puppy back in December of 2018. In January I decided to purchase the Healthy Paws insurance for her. In March she started throwing up and wouldn't eat. My daughter is a Vet Tech at our local VCA so she took her in. Come to find out she had swallowed my nasal pillow for my CPAP mask that disappeared weeks before. It was lodged in her intestines. After 3 days in the emergency room, surgery, meds etc.... the bill was $5,400 after my daughters employee discount the bill came to $3,400. I submitted my bill to Healthy Paws and in 2 days they were mailing me a check for $2,500. After the $250 deductible they covered 80% of the bill. After only making 2 payments on my policy they really came through for me. Best decision I've made in a long time.
Insurer: Healthy Paws
By: Joe
Easy claim, quick denial
We signed up for pet insurance because our cat is genetically predisposed to gum disease and gingivitis. We took the cat in for her yearly cleaning and were denied because we didn't have the "wellness plan" for dental. This extra wellness plan costs upwards of $50/month per cat (we have four) to cover only $650 worth of coverage. This was not apparent when we signed up, and I am very disappointed in this bait and switch. We will be shopping for other options.
Insurer: Embrace
By: Lisa
I've carried Pets Best on Libby from the first day she came to live with us, never been disappointed.
They are always there to help with there on call vet to claims. ALWAYS replying quickly. Very happy with service and coverage.
Insurer: Pets Best
By: patricia
Great Company
Our cat, Sydney (an Abyssinian), became ill on 1/30. He stopped eating, very lethargic. Our local vet tried various treatments (ultrasounds, meds, NG tube) to little avail. They referred us to a specialty vet in the area where he spent five days in critical care undergoing numerous lab tests, ultrasounds, blood transfusion, bone marrow biopsy, and insertion of an e-tube for nutrition. He came home, but continued to lose weight even with the tube feedings. His lab results were all over the place (esp. liver enzymes), but no cancer and/or feline leukemia. His feeding tube became infected on 3/24 which necessitated its removal. He began to eat on his own after that so he was discharged with a follow-up scheduled for a week later. Unfortunately, on 3/30, he once again became lethargic (almost unconscious) and was continuing to lose weight even though he was eating (down to 2.1 kg). We had to make the decision to euthanize our furbaby at that time as his little body simply couldn't take it. The vet said his BP was very low (47), he was dehydrated, low RBC, and that in order for him to even be strong enough for the insertion of a PEG tube, they would have to give another blood transfusion and fluids. The vet at that time suggested it was time to put our little guy out of his misery. Although it broke out heart, we felt we had little recourse at that time (he was only 6 years old). From the very beginning, Trupanion has been supportive and paid his claims with no problem. The total cost of his vet care for these six weeks was approximately $20K when it was all said and done. We never could have given him this extra time if not for the pet insurance. After our $100 deductible, they covered 90% of all covered expenses. My only quibble with Trupanion is I wish they covered vet fees when your pet is hospitalized or seriously injured or ill. It's like our insurance saving "We'll pay for your hospital bills, but not for the doctor to see you while you're there." I'm totally on board with no payment for regular vet visits, preventive care, immunizations, etc., but this is one area I wish they would revisit (emergency vet exam fees averaged $125 at our vet hospital). I am totally impressed with the no limits on care (both annual and lifetime). Other companies might require you to pick a yearly limit, but how do you really know what is going to happen in the future? We NEVER would have imagined our Sydney running up these kinds of bills. I know a lot of people complain about the premiums, but we pay $113/month for an 8 year golden retriever and our cat. I don't think that's unreasonable at all for the peace of mind this brings. We have received nice emails from Trupanion upon Sydney's passing, so they truly do care about you and your pet.
Insurer: Trupanion Canada
By: Jackie
Worth it
I was honestly ready to cancel after a rate increase when my dog turned 3. It paid off in the end when she needed acl surgery it was all covered except our $250 deductible. The claim process is slow though
Insurer: Nationwide
By: Shannon
Terrible
Such a disgrace... First claim took over 1 month with 8 phone calls & 4 emails just to be Denied due to their make up reason of pre-existing condition. Which my Cat haven't seen any vet for over 10months. Don't waste money with Pet's Best ... unbelievable shady business
Insurer: Pets Best
By: Tony
Nationwide cares
Nationwide processed our claims right away. They made it easy and even followed up later on to make sure that our dog was doing ok. We have insurance on both of our dogs and recommend it to everyone whenever we get a chance for their pets.
Insurer: Nationwide
By: Theresa
Good service
We were able to receive our claim quickly and conveniently with electronic payment.
Insurer: Nationwide
By: Maritza
Worth getting for any pet
Policy has been a godsend because our cat has had many problems and vpi covers the cost
Insurer: Nationwide
By: Joel