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.
64,617 total
Other Categories
You are better off just setting aside cash and signing up for a wellness plan
You are better off just setting aside the premium you would have paid them and investing or saving the money yourself. They are awful. They don't cover anything, they raise the prices considerably every year and lower the coverage, raise your copay etc. Also they don't cover any exams. Even if you bring a sick pet in, need emergency blood work, etc. They just call it an "exam" and won't pay for ANYTHING. Don't use them. I got stuck with them because when it came time to finally use the coverage I'd been paying for years for, my dog was older and so any pre existing conditions made me stuck with them. Sign up for a wellness plan with Chewy or some place like that, save your cash for when you need emergency care. Healthy Paws will do EVERYTHING to make sure they cover as little as possible. Literally made me hate pet insurance! So mad at myself for being stuck with them. I warn everyone not to get trapped into using them.
Insurer: Healthy Paws
By: HR
Great Insurance for my rescue Clyde
I had a great experience with my rescue cat Clyde. They always paid on my claims which was great since he only went to the vet when necessary, mostly in the last year or so and the vets around me are NOT cheap. I adopted him as an adult, didn't know the exact age since he had no teeth, but he was the most chill, big lovebug, my tv and hangout buddy. He passed recently after having him about 5 years.
Insurer: Pumpkin
By: Sue Grace
I submitted my first claim and within…
I submitted my first claim and within 10 days it was approved and the money was deposited in my account. Great service! So thankful I chose to purchase pet insurance through Fetch
Insurer: Fetch
By: Kelli
I am not happy so far
I am not happy so far. I submitted my first claim in November 2025 for surgery for a testicle that did not descend. They claimed it was a routine neuter and so was not covered. irritating but i guess i understand. i then had more issues with my cat so submitted several visits about 6 month later in April.. it's been a month so i logged on to get an update and its saying that they are still waiting on medical records. i called to follow up and it says its a 40 min wait. i logged in to check my policy more in depth and it looks like i "opted out" of perscription and exam fees. I dont even remember this being an option when I signed up! its like nothing is covered!! if you want the bare minimum coverage, a 50% chance of being covered when need, and 0 customer support, choose Embrace.
Insurer: Embrace
By: D S
Premiums go up and benefits go down!
I have been with Healthy Paws since 2016. I have had little to no claims and my premium keeps going up. It is almost triple from when I started. This year it went up 20% and they increased my deductible and lowered the percentage that they pay out!!! It is a criminal act in my opinion. Don't get sucked in, open your own savings account and put the money in it instead.
Insurer: Healthy Paws
By: Joe Grech
Claim Processing Challenges and Extraordinary Annual Premium Increases
I have had Healthy Paws pet insurance for my two dogs since they were 12 weeks old. They are now 11 1/2 and 9 1/2 years old. They're very healthy dogs and have had virtually no claims their entire lives. Two months ago, my 11 year old had a wellness exam and his bloodwork had anomalies. The vet recommended x-rays followed by a visit to a surgeon, an ultrasound and a biopsy. Healthy Paws paid the initial claims related to these procedures, up to the $1,000 deductible I have, but now all of a sudden have demanded my dog's vet records since he joined my family 11 years ago! This is to cover the cost of the latest ultrasound and biopsy. When I questioned how this makes sense given the company has already approved claims for this same issue and already have the records documenting when the issue was first detected, I get a response that doesn't address my points and merely reiterating the demand for all records. I find this particularly outrageous, especially given the astronomical premium increases the company regularly imposes. I have literally spent thousands of dollars on premiums with Healthy Paws and am now stuck with the company, sadly. And now the company is slow-walking and imposing obstacles seemingly trying to deny the latest claim (which is roughly $550, though it's already approved claims totaling $1000 (conveniently my deductible) for the same issue. It appears now that I've met the deductible and it's time to start paying 70% of my claims, the company is resisting approving additional claims. When I adopt another dog, I will definitely be shopping for a different pet insurer. I do not recommend Healthy Paws for anyone shopping for pet insurance.
Insurer: Healthy Paws
By: Bob M
Easy to submit claim
Easy to submit claim. Was processed quickly and efficiently.
Insurer: Spot
By: Melissa Gillis
Quick reliable service Simple easy…
Quick reliable service Simple easy to follow directions on claims Immediate feedback
Insurer: Fetch
By: Ann Ahearn Avitabile
I didn't expect to be reimbursed very…
I didn't expect to be reimbursed very much and was pleasantly surprised. I am glad there is insurance for pets because now we can take care of them without the worry of how much it cost. One note: I wish they would cover grooming for long-haired cats. Our cat has to get a lion cut twice a year due to matting issues. It is $300 every time. I would like to get her groomed more often but I always cringe at the cost. She has a curly undercoat and is a spicy cat when it come to grooming. The veterinarians need to teach their customers.
Insurer: Fetch
By: Renee