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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Quick reimbursement. Me and my cat are very happy!
Quick reimbursement. Very happy!
Insurer: Pets Plus Us
By: Renat
Great service and coverage
I have had 6 cats with Pets Plus Us, with 5 currently with them. Their customer service I've always found to be excellent! Claim reimbursement times can be lengthy.. 3 to 4 weeks on average, there's been times it's been under 1 week... hopefully that can become more the norm for the company. They've always approved my cats claims other than a few times recently they randomly started denying his long time medication which they'd always approved and then denied the reassessment too, but that's fixed now! Other than that the only downside to PPU is they won't cover any dental at all! I get not covering routine dental and cleanings and knew that when I signed up. But my cat contracted calicivirus (confirmed via a PCR test) and was left with stomatitis and gum/mouth ulcers as a result of the virus continually flaring up.. which he requires antibiotics to clear up which they won't cover because it's 'dental' and he requires cleanings to ease the stomatitis and ulcers because of the calici too.. which they also don't cover. So if you have multiple cats or a cat more likely to come into contact with calici and want the coverage for the mouth/gum aspects of the virus I'd choose another company. This company is great for everything else! P.S I'd like to see a faster process for emergency preapprovals for over $1000, where direct pay to practice is concerned.
Insurer: Pets Plus Us
By: Jennie
Our Bullmastiff had an intestinal blockage. Pets Best was fantastic.
Our Bullmastiff had an intestinal blockage. He had to have emergency surgery at Cornell University. The vet said they feared his intestine either bursting or going necrotic. We were so frightened. We called Pets Best and they helped us through everything. We are so very pleased. They reimbursement came within 10 days of submitting the claim. We would definitely recommend Pets Best. Thank you so much.
Insurer: Pets Best
By: James
Prompt action on claims, speedy reimbursement
Easy to use website, claims can be sent via a photo download quickly and easily. Prompt responses for receiving, processing, and direct depositing of paid claims.
Insurer: Embrace
By: Carolyn
Great system but slow return
My dog ate something and had to go the er vet. She was having head tremors and unable to sit up. She was at the vet for 2 nights a total of 2200$. Figo approved the claim but the process to get the check took some time. The first check was lost in mail so we had to wait about 2 months for it get resolved which is my only compliant
Insurer: Figo
By: Jennifer
Not sure what I would have done without it...
I first bought Healthy Paws when my vizsla was 8. Within a year she was diagnosed with hemangiosarcoma. It was terminal. HP covered around $20,000 in expenses. We knew we couldn't cure her and I am sure HP did too. Together we gave her, and us, another 6 months. Now I have 3 dogs and they are all insured. It's just peace of mind. One of my dogs recently tore her ACL. With HP's coverage for one treatment that dogs insurance payments have been reimbursed to date. I only wish my own health coverage was this easy.
Insurer: Healthy Paws
By: Joni
If you adopt a dog, get insurance
I got insurance for my dog, Darwin, when he was 3 but didn’t think I’d need it for at least a few years. I am so glad I got the insurance when I did because, one day out of nowhere, he woke up paralyzed. APSCA covered exactly what they claimed to, and were extremely supportive throughout the whole process. I only gave them 9/10 because it did take several weeks to be reimbursed, but I think this is common across all pet insurance companies. I highly recommend getting ASPCA insurance for all dog owners - you never know when you’ll need it, but when you do, you’ll be glad your fur baby is covered.
Insurer: ASPCA
By: Tyler
Lifesaver!
Both my dogs ended up with major medical bills at the same time - around $11,000. Thank goodness for Trupanion - not sure how I would have paid that on my own. I was able to get them the care they needed and for one dog in particular, it literally saved her life. Thanks, Trupanion!
Insurer: Trupanion
By: Julie
Beyond Pleased!
I’ve been with Embrace for about two years now. It is so easy to submit claims and their response time for reim. Is very timely. I will continue to renew each with their company if the service continues to exceed my expectations! Thanks Embrace!
Insurer: Embrace
By: Christine
Extremely impressed with ASPCA Pet Insurance
ASPCA Pet Insurance has treated our family so well over the years we have had our dog. They truly care about the pets that they cover and will call just to check in on them. Pet expenses can add up quickly in times of illness or an accident and ASPCA is dependable and timely in responding to claims. They are fair and make the process very easy to complete.
Insurer: ASPCA
By: Andrea