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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PB Takes your premiums but rarely pays
I am not really happy with Pets Best. I pay a lot in premiums, but it seems nothing is covered. When they do cover anything, it is only a partial coverage and that is applied to the deductible. With only a small "covered amount" applied to the deductible, it is almost impossible to meet that deductible. The return on investment is low to nonexistent. With that said, I am sure that if there was a major illness or accident, that this insurance would be invaluable. I will keep this insurance for now and presently supplement this policy with a program through my vet's office.
Insurer: Pets Best
By: Trampas
Coastal Care Veterinary emergency hospital
Coastal Care Awesome place to take your pet. They are compassionate , caring and knowledgeable. The cardiology department definitely knows their stuff. They answer every question ....... there are no stupid questions. The Pets Plus Us insurance company for pets is definitely worth it. I had a substantially large bill. After submitting my bill to Pets Plus Us, I had my refund in less then a week. Amazing! Thank you Claudette
Insurer: Pets Plus Us
By: claudette
Extremely pleased with Health Paws
I bought Healthy Paws when my dog was between 1 and 2 years. He was just shy of 10 years when he was diagnosed with 2 types of cancer, needed surgery and chemo and was given 2 to 6 mo to live if untreated. Thanks to my policy, my dog is still with me and turns 12 next month. I don't know how I ever could have afforded all the treatment and ongoing followup visits and medications on my own. Healthy Paws has never given me problems and the turnaround on payout is super fast. I have the 90% reimbursement policy.
Insurer: Healthy Paws
By: Kathy
Cancer and my Boxer
Embrace provided excellent coverage when my boxer was diagnosed with cancer of the jaw and had to have a jaw removal and then chemotherapy. This was the second boxer with cancer, and for the first one they paid out over $18K over two years which is a LOT to provide the excellent care required by lymphoma, giving her an extra 2 years. I would never NOT have pet insurance and I am happy with them, four boxers now, one at a time.
Insurer: Embrace
By: Linda
Insurance Covered Major Dental Work
My elderly dog needed major dental surgery which was carefully and respectfully provided by my local vets. She was tested to see if she could handle anesthesia (she could) and surgery went well. When I submitted my claim, the insurance covered easily half of the costs which was deeply appreciated. Being a resilient mixed breed (poodle, schnauzer), she recovered quickly and is back to demanding attention, walks, treats and meals.
Insurer: Nationwide
By: Patricia
I don’t get it
I have four dogs insured with Trupanion. On one hand, they are great to work with and do cover a significant amount when something catastrophic happens to one of your pets. They do not cover what they describe as preventative or wellness check ups. However, when a dog or cat is in an emergency situation, and needs emergency care that includes diagnostic tests and surgery because of a clear problem, I don’t understand why the examinations for those incidents are not covered. These are not wellness or preventative exams. No pet hospital will diagnose a dog without examining them and I believe that those exams that are done in connection with Emergency admissions should be covered. I ended up paying many thousands of dollars for exams this past week when my dog stopped using her back legs and had to go to two different emergency hospitals and have exams at both of them to see what testing she needed and what surgery she needed in order to Improve.
Insurer: Trupanion
By: Ellen
Awful.
Really bad experience with this pet insurance. Never covered anything for our dog! He has the infection- didn’t covered, medication- never covered, blood tests or ultrasound tests- never covered. Stoped to using them- no answers just letters “we do not cover it”. The awful client orientation, bad service, just taking money but nothing is covering. Do not recommend! Just really bad….
Insurer: Pets Plus Us
By: Mariia
POOR customer service
My dogs have food allergies. Rather than medicating them, I chose to simply change food to a prescription derm food( which is supposed to be covered). They refuse to reimburse the expense saying it is OTC. It cannot be purchased without a prescription so it is not OTC! Metlife is not what they advertise. They are rude to customers. They refuse to allow speaking directly to a claims agent to understand their decision. It is definitely an insurance game. I cannot even pay for both dogs together- required separate receipts or won’t reimburse the expense- I guess no common sense or calculator to add the two together to get the lump sum. They are not customer or pet oriented. EXTREMELY disappointed in multiple difficulties with this company.
Insurer: MetLife
By: Theresa
Healthy Paws gives me peace of mind. That's priceless!
My 6 year old labradoodle Bodhi unfortunately was diagnosed with T cell lymphoma. We started chemo treatment immediately. Healthy paws has paid everything that is covered as per our agreement no questions asked. My experience with Healthy Paws has been outstanding. They reimburse QUICKLY. I have recommended and will continue to recommend Healthy Paws to anyone that is considering pet insurance. Honestly, I don't know what we would have done without them. I have peace of mind with Healthy Paws. That's priceless.
Insurer: Healthy Paws
By: Tamara
5 Star all round
My dog loves visiting the vet and bounced in and out even though he had to have a fox tail removed from deep in his ear. The vet also diagnosed and removed fly worms from his eye, eew! Lemonade were as always very efficient and fast to process my claim all from the app and email, couldn’t be easier. Thank you all.
Insurer: Lemonade
By: Meme