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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Fast
My girl has Lymphoma, which requires weekly treatments over months. I take a picture of the claim form and the invoice, send it to Embrace and I get paid before the next treatment. I do wish they didn’t have a top stop, tho. Scares me when dealing with an expensive disease like cancer. I chose 80% coverage and $14,000 top stop per year.
Insurer: Embrace
By: Teena
Great solution for pet insurance
While initially hesitant about pet insurance, we decided the risk just wasn't worth it when bringing home our new rescue pup at 3 months. Healthy Paws was recommended to us, so we began paying the $30/month around this time, assuming we would never use it. Unfortunately, around 7 months, our pup began getting sick - and often. We hit the $250 HP deductible relatively quickly, where afterwards we began getting reimbursed 80% for all medical costs (minus the initial $100 vet fee each time). The process through Healthy Paws is quick, easy and consistent - one picture of your vet bill and within a week, we usually have a check in hand. Our pup was eventually diagnosed with idiopathic epilepsy, where the number of tests ran us thousands of dollars. True to their policy, Healthy Paws covered 80% of everything, subsequently saving us thousands of dollars. Their customer service has also been great, and has generally made our challenging experience a significant amount easier.
Insurer: Healthy Paws
By: Ben
Pretty good... Not great
I got Figo a year ago for my mixed breed dog to cover accidents and any illnesses that might come up. The premium for the essentials insurance was a solid deal and felt that you couldn't go wrong. I ended up having to hospitalize my dog and have treatment done in November. After filing the claim, I found out that they were experiencing significant delays in processing claims. After about six weeks, I was reimbursed (80%, minus deductible). I planned to let the policy run through its end date and start searching around and comparing rates and plans. Turns out that Figo auto-renewed the policy using an old credit card—but my policy had more than doubled in cost. There's no way to turn off auto-renew in your online profile. Come on, Figo, if you're going to make a large charge on peoples' cards, at least give them advance notice.
Insurer: Figo
By: Adrian
So thankful for Healthy Paws for saving my cat!
I had heard bad things about pet insurance in the past, but after reading some of the positive reviews online for Healthy Paws, I decided to sign up for my eight year old kitty. 45 days later, I was stunned when I came home and found her lying unresponsive on the couch. I rushed her to the nearest emergency room and she was found to have severe pancreatitis and diabetes - two problems that had been completely absent on all of her previous labwork just two months before. Her case was so severe that she required an oxygen chamber and temporary feeding tube placement, and all in all, the cost of the hospitalization was $12,500 plus medication expenses and follow-ups. When I filed my claim, Healthy Paws gave me NO problems whatsoever, and the person I talked to on the phone (Ryan) was so compassionate and helpful. Within a week, I got the check for the hospital reimbursement, and the other checks came shortly after. I love my cat from the bottom of my heart and she's been there with me through so many of my own medical problems - I am so glad I signed up for Healthy Paws so that I was able to save her life, as well, when the time came that she needed me. The most amazing part is there are NO annual limits or exclusions. Healthy Paws covered her hospitalization, surgery, medications, glucose meter and supplies, and will continue to do so. Do yourself a favor and sign up for this company if you love your pet!!!
Insurer: Healthy Paws
By: Sarah
Had this insurance and they paid nothing for my dog
Filled a claim for my dog illness and they paid 0. Left the insurance and now looking for anohter one
Insurer: ASPCA
By: Ana
I tell ALL my pet owning friends about Trupanion.
I tell ALL my pet owning friends about Trupanion. I have always had quick, easy, straightforward experiences using your claim form submission process. You always respond immediately and the turn around is impressive. I could not be happier!
Insurer: Trupanion
By: Claire
Trupanion is the best insurance for my pets.
Trupanion is the best insurance for my pets. Claims are processed quickly and payment is received promptly. Any questions are answered by friendly and professional customer service. When I had an emergency with one of my pets, the request for approval for surgery was approved within 1 hour. Thank you!
Insurer: Trupanion Canada
By: Michelle
The process is fast and efficient!
The process is fast and efficient!
Insurer: Trupanion Canada
By: Brigitte
Trupanion has been so supportive and comforting as my beautiful husky Kendall has fought cancer.
Trupanion has been so supportive and comforting as my beautiful husky Kendall has fought cancer. They provided options for her care to give the most time and quality of life.
Insurer: Trupanion
By: Leslie