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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So Glad I Got Pet Insurance
Healthy Paws insurance was a lifesaver when my pup ruptured her CCL Christmas Eve and needed surgery a week later. There was a bit of a hiccup getting the various computer systems at HP to accept and combine health records, which resulted in delay in processing the bill for the emergency room visit. However, once this was cleared up, the bill for the actual surgery was processed and money auto deposited within 48hours of submitting the claim. One other thing (clearly spelled out in the policy, but good to remember) is that this plan covers “treatment” (X-rays, surgery, medicine) but not fees for office visits or consultations. Explanation of benefits was very clear and customer service employees were very helpful. I took the dog to Spry Companions in Centennial CO, where both doctors have over 10 years experience with CCL surgery and it was a great experience.
Insurer: Healthy Paws
By: Mary Ann
Great help for procedure prior to med use
This claim was for a procedure done prior other medical procedures our vet had recommended. The vet's office wanted to make sure our cat's heart could manage the effects of anesthetic used during the procedures. We appreciate the thoroughness of the review of the claims department personnel.
Insurer: Trupanion
By: Patricia
Amazing!
I just can not give this company enough praise. I want to say that I have never had any sort of medical instance for as quickly and stress free, dog or human. In a very quick turn of events we went from seeing a vet for a consult to our dog having surgery. It was such an easy process and the staff at the hospital told us the Trupanion was the best. “They are super quick with pre-approvals and usually settle within a day.” You never know when you purchase insurance, will it really be what they are selling? But we had gotten the 90/10 ratio coverage for our French Bulldog. And yes, they paid 90% of the bill. With our deductable and our co-pay we paid about 1,000$ on a 6400$ bill. I can’t tell you how important it is to get pet insurance. I can’t imagine having to sit in that room, hear what your pet needs and wonder if you have enough money in your savings for it. Or if you have a credit card with enough to cover it. Something that could have been stressful was just not a worry. I kept saying, “no problem, we have good insurance” and they truly proved it. I will always have pet insurance and it will always be with Trupanion!
Insurer: Trupanion
By: Louise Ann
Brownie's Journey: Why Healthy Paws Became My Rock
Brownie's been my best friend for almost nine years. We've shared countless tail wags, muddy paw prints, and a whole lot of love. I always knew I needed the best insurance to protect her health, so I picked Healthy Paws – and let me tell you, it's been the smartest decision ever. For eight years, things were easy. Brownie was as healthy as a pup can be, just needing routine checkups and shots. Healthy Paws was there in the background, like a silent superhero ready to leap if trouble ever showed up. But nine months ago, everything changed. Brownie got hit with bone cancer. My heart broke, but I knew we had to fight. That's when Healthy Paws became more than just an insurance company – they became our partners in this battle. Filing the first claim was a breeze. No endless paperwork, no hoops to jump through, just quick and understanding support. Every single claim – all $30,000+ for radiation, chemo, surgery, even her heartbreaking amputation – was approved and in my bank account within 10 days! It was like a financial superhero delivering a truckload of cash, letting me focus on what mattered most – getting Brownie better. But it wasn't just about the money. The Healthy Paws team was amazing. They called to check on Brownie, offered words of encouragement, and treated her like their own furry family. Their compassion was a lifesaver during those dark days. Recently, Brownie's had another setback – congestive heart failure, likely from the chemo. And guess what? Healthy Paws is right there again, ready to fight alongside us. My experience with Healthy Paws has been incredible. They've gone above and beyond, making them way better than any other insurance company I've ever dealt with, for pets or people. They're not just a policy, they're a promise of support, a safety net when the world throws you a curveball. If you have a furry friend you adore, don't think twice. Get Healthy Paws Pet Insurance. It's not just insurance, it's peace of mind. It's knowing that no matter what life throws your pup's way, they won't face it alone. Thank you, Healthy Paws, for being Brownie's miracle. You gave me the strength to fight, the hope to keep believing, and the unwavering support to never give up. You're not just an insurance company, you're heroes with furry-friend hearts. A forever Healthy Paws customer and Brownie's biggest cheerleader.
Insurer: Healthy Paws
By: Rohit
Perfectly Easy
I submitted a claim for the first time through the app system, it was super easy and fast. the staff was in contact with me right away and they processed the claim at record speed. i am super pleased and now plan to up my coverage. highly recommend.
Insurer: Lemonade
By: Liliana
Best Pet Insurance
Our 4.5 year old lab had a surgical operation for a torn ACL. We submitted a claim with Healthy Paws the same evening. In the morning we got a response that the claim was approved and 80% (per our coverage) reimbursement check is on the way. Can’t ask for a better service when you go through a difficult time. Best experience ever!
Insurer: Healthy Paws
By: Alla
Always great, fast service
It is stressful enough when your pup is sick, but ASPCA takes the concern out of submitting claims by the very user friendly website. They also reply with the final review and decision on your claim quickly. They are always fair which takes the financial stress out of the process as well.
Insurer: ASPCA
By: Thor
Easy & Fast
Submitting a claim with MetLife is simple, easy and the response you get is fast. My claim was submitted and approved within seven days with no issues. I'm extremely happy my company offers pet insurance as part of our benefits package and choose MetLife as the provider.
Insurer: MetLife
By: Eric
Healthy Paws is Awesome!
I have had golden retrievers since 1985. I never pursued getting insurance because in general they were usually pretty healthy until their later years. But for my latest goldens I decided to try it out while my they were still young and I went with Healthy Paws. One of my girls has had multiple flareups of pancreatitis and having this insurance to help out with that has been great! The claim procedures at Healthy Paws really couldn’t be easier; just scan a copy of your vet invoice and medical records and click submit. And, one last thing: it means a lot to me when they send me a personal email asking how my dog is doing!
Insurer: Healthy Paws
By: Bill
Pets best? More like pets waste of time!
I got my insurance last year when I got my puppy thinking it was going to be looking out for her and have her set up for anything that was to come our way. First time making a claim I was denied (okay cool) but I was given a "see benefits" instead a reason? You can't give me a short reason? I file a claim and it takes months, with only a single email here and there saying "sorry for the inconvenience" you can't communicate what's taking so long? High volume/high claimes/the weather etc something other than sorry? I've made 4 different claims and I have yet to see a check that was made out to me. There is zero incentive for being a member. You just pay 65 bucks for the "best" insurance and it's a complete waste of my money,time and efforts. Good luck trying to speak to a human you'll be on the phone forever and thet will just tell you to "see your benefits" than have it explained to you. Look I get it I can see my benefits but I would like it explained further by someone who is knowledgeable in the insurance industry but I just have to figure it out on my own.
Insurer: Pets Best
By: Marisol
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Parallels my experience