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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I found it easy to file claims and…
I found it easy to file claims and receive reimbursement for payments I made
Insurer: Pumpkin
By: Elida
I Do Not Recommend Healthy Paws
I insured both our dogs when they were puppies: one in 2014 and the other in 2016. The premiums began at a reasonable amount--our first dog started with a $31.96 monthly premium and that was with a $250 annual deductible and 90% reimbursement level. Our second dog started with a $39.03 monthly premium, a $100 annual deductible, and a 90% reimbursement level. I was happy to pay those amounts for the peace of mind and the fantastic coverage. We've had steady, but manageable rate increases every year. Fast forward to the last several years. For the policy period beginning in December, 2024, I had to increase both the dogs' deductibles to $500 in order to keep the monthly premiums at a somewhat manageable level. For the policy period beginning December, 2025, we were notified that our reimbursement level would be automatically reduced to 70% from the previous 90%. Apparently Healthy Paws implemented this age-based change last year. Our monthly premiums for this greatly reduced coverage are now $238.59 for our first dog and $200.28 for our second dog. Ouch. Just to put this in perspective, we have to pay out $500 for covered services for each dog before the policy begins to cover anything at all, and then that is only reimbursed at 70%. Will Healthy Paws drop our reimbursement percentage even further when future renewal anniversaries roll around? Who knows? The current monthly premium represents a whopping 646.527% increase from the original premium for our first dog and a 413.144% increase from the original premium for my second dog! During 2025, I had to appeal two denied claims that were for covered services. The denials were eventually reversed, but it was a lot of hassle to go through and a long delay for claims that should have been initially approved. I should add that I am grateful for coverage we've received for some expensive health issues through the years. For example, a splenectomy and several days in the vet hospital for one dog resulted in a bill that was over $9000. Last year, that same dog had surgery to remove some liver masses. But, I may no longer be able to afford the insurance after this year--especially considering the higher deductibles and lower reimbursement levels. Since my dogs at this stage in their lives both have what would be considered preexisting conditions by another insurer, shopping for a more affordable policy elsewhere isn't an option. We're between a rock and a hard place. To sum up: when we signed up for Healthy Paws, it offered great coverage at an affordable price. In the last few years, our rates have skyrocketed and our coverage has been reduced. I can no longer recommend Healthy Paws.
Insurer: Healthy Paws
By: Susan T.
Submitting claims is easy
Submitting claims is easy, quick and can be done from your smart phone just by installing and using the app. The review process is done quickly and you have the choice of receiving reimbursements by check, direct deposit, and a few other options.
Insurer: MetLife
By: Kendra
Easy to file a claim
Easy to file a claim. Great rates for my pups health care.
Insurer: ASPCA
By: Wendy Turner
Trupanion is so fast and easy
Trupanion is so fast and easy! I submitted a claim and they paid half and it only took 24 hours to get the claim!
Insurer: Trupanion
By: Brooke
Helps in the time of need for your pet.
They answered right back when I contacted them. They were fast in processing the claim and really they were really great. It’s just the first time having pet insurance. I thought we would have been covered just a little bit more. It takes time to learn everything. It was nice not having to pay that whole amount. I just learned when we’re actually paying for it at the vet, we could also get reimbursed for the claim at the same time.
Insurer: Trupanion
By: Theresa Ganse
Trip to the ER on Valentine’s Day
It’s Valentine’s Day weekend, the last thing I was thinking about was needing to use the insurance I purchased for my new puppy, 7 months ago! But here I am, in a panic at the ER bc, my sweet little 10 month old Yorkipoo, Ginger is having GI upset since 5am. But lucky for her, she’s got a mom who purposely knew there would be days like today! The bright spot was when the receptionist said, you have Trupanion, that’s the only insurance we accept, I’ll take care of everything! 10 mins later..she handed me an estimate of cost that showed what was covered, to my surprise it was more than half of the bill. Thanks to Trupanion, my little girl received the best care and I still received a Valentine’s gift!
Insurer: Trupanion
By: Jennifer
Easy to use, quick for reimbursement
Very easy to file claims. Customer service, when I have used them, is helpful and responsive. Claims can sometimes take a bit of time, but they always do a good job of communicating what might be slowing the process down. Reimbursement is seamless too!
Insurer: Pets Best
By: Mace
Mediocre
While I did not have a negative experience, Pets Best takes an exceeding long time to process claims, and I still have not received my payout from my most recent claim. I also don't like that the EOB gives you minimal information to figure out questions regarding your claim
Insurer: Pets Best
By: Austyn Stone