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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Healthy Paws is the best!
Healthy Paws has been a lifesaver in managing the care of my two male dogs. One has a chronic illness which requires ongoing medical care and Healthy Paws allows me to care for my dog in the manner he needs not just in the manner in which I can afford. Customer service is outstanding and reimbursement is quick and simple.
slow reimbursement
Just takes about an average of 15 days or so to get reimbursed for your claim- from the time you file until you get paid. N.B. after being approved of your claim- it will still take an additional 2-3 days for completion.
Peace of Mind
My dog suffered from renal dysplasia that was diagnosed when he was just 5 months. I will always be grateful to have had a policy with Pets Best as it allowed us to give him the very best of care throughout his short life without worrying about the cost. His prognosis when diagnosed was just 200-400 days. But because of the care I was able to give him he survived nearly 1000 days and had a wonderful life that was for the most part pain-free. I always tell everyone I know who gets a new pet to purchase a policy from Pets Best. Many tell me it's a waste of money and that they would never need to submit a claim. I tell them if they never submit a claim, they are lucky to have never needed it. But just looking at your dog, you would never know until it is too late. Pets Best always paid my claims cheerfully and without putting me through hoops. The times I called and talked to customer service I talked to empathetic, helpful, and courteous customer service agents. Despite that the amounts of my claims easily exceeded my annual premiums, Pets Best never increased my premium amounts.
Excellent Insurance Company and Policy
I am so glad to have signed up for ASPCA. It is so much like having health insurance for yourself, you can pick your deductible and reimbursement percentage and they have preventative options too. We originally had preventative but realized we didn’t use it much so we removed it and the process was easy, I also have the option to add it back on my renewal date if I choose to. The insurance is for accident/injury or illness, for the unexpected. There are a few things not covered like a torn ACL or pre-existing conditions, but for what I’ve needed it for it has been a huge blessing. My dog Willow has had a few smaller claims and one larger one. They all were approved as well as any estimates I submitted beforehand. I like the estimate feature as it can show you exactly what you would be covered for before a procedure was done in a non-emergency situation. I have used the estimate feature with more optional procedures and I ended up not needing those procedures (one was an endoscopy and the other was for gingivitis). We were able to use alternative medications like acupuncture that ASPCA covered and Willow was healed! She recently had sprained her front paw and was limping, we had already paid her deductible from another visit this year about gingivitis and the claim was paid quickly and accurately according to my plan of 90% reimbursement. I highly recommend the lower deductible and higher percentage return. I noticed some reviews stating their claims getting denied, I have had that happen but it was because I was either missing required information (like vet records) or because I had submitted an estimate shortly before the claim and some of the services overlapped the two making it seem like a duplicate. I easily corrected that by submitting the right documentation and/or resubmitting the claim with a clearer explanation. I have never had any issues with claims or payments. This is a company I will be using for a lifetime. They also offer discounts to members of certain groups like NSCS. We love ASPCA!
Healthy Paws has been a life saver!
Healthy Paws has been wonderful for our dog with allergies and back arthritis! It is such a relief to know that we are able to provide him with all the care he needs to stay feeling his best self!
Insurer: Healthy Paws
By: Sarah
Illogical and Cowardly
$143/month for my GSD. Developed anal sacculitis (anal gland infection). Veterinarian prescribed strict Hydrolized food diet in an attempt to recitify the condition as last ditch effort prior to surgery and removal of anal glands. Pets Plus Us approved all related anal sacculitis vet visits but not the Hydrolized food diet. Because I tried it once a long time ago (prior to Pets Plus Us) in attempt to help with her allergies (I ceased as it was ineffective) and claimed that the food is part of "prexisting condition". Food is used as treatment modality for her anal sacculitis and it has been effective. Still fighting them. Otherwise it's fine. Don't get the impression this medical insurance provider is any different than the others. These guys are sleezy too. They hide behind insurance language and speak more than others I find. So be prepared to be inundated by extreme court like lanagauge and behaviour as well as stalling tactics.
Insurer: Pets Plus Us
By: Marco
File a claim for pet
I thought the overall ease of filing a claim for our pet was simple and clear. The processing of claim was a bit long. Partially due I did not send in the pet's medical records with the claim. MetLife had to go back to vetenariam and request the files. That took an extra week. All in all it was a good claim processing and I did get some reimbursement.
Insurer: MetLife
By: Paul
Scam Pets Best really isn’t
Backtrack a couple years. My dog got a hematoma surgery. Then Applied Pets best got denied for this claim cause the incident happened before. Ok understood I get it. Fast track today he went in cause his ear had yeast and has bad allergies. We got denied again because the issue was from before? How so? I was paying for 2 years and this was developing months ago. They’ll find any excuse to deny you. Going to appeal but likely be cancelling today.
Insurer: Pets Best
By: Christian
Ease of use
I at first was nervous about the process of doing this claim. however, after reviewing metlife site and discussing with a person, I proceeded forward. The process was pretty straight forward and easy to follow. make sure to have a scan copy or pic of your service. Make sure it was clear, and it has all the needed information. I have done all of this and that made it a easy process. I would recommend using Metlife insurance because they coverage isn't confusing and the claim process was easy to understand.
Insurer: MetLife
By: Clarice
Pet Insurance is INVALUABLE
I took out Trupanion Insurance per the advice of our vet, in 2009, when our dog Mr. Bryce, (Rescued from an abusive situation), a German Shep/Golden Retriever and Chow mix, was one year old. Trupanion paid 90% coverage for the same condition, of which for most of his life was occasional Colitis-related. When he was eleven, he had anal cancer and once again - 90% coverage/reimbursement for his cancer treatment. The treatment extended his life by two years. When I had to let him go due to the cancer advancing, Trupanion paid 90% for euth services at home. We used the services of Hearts and Halos, for home euth, which I strongly recommend. Our previous dog, Bruce, a Golden Retriever, had cancer as well - a Melanoma, and we didn't have insurance - cost us upwards of $5,000 for treatment, which sadly, didn't give him a sizeable life extension. Following that experience, pet insurance was nothing to consider. If we ever have another dog, will take out insurance again - although I'd have to consider other pet insurance as well. Since the time I had it, I see it's a more competitive field.
Insurer: Trupanion
By: Valerie