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 adopted a dog on 11/1/2024. Prior to adopting the dog, I had to set up a vet intake appointment to prove to the shelter that we would have a regular vet. I set that appointment for 11/17 a few days before going to adopt my dog. On 11/14, I started a Pet’s Best policy after spending some time reviewing options—3 days before our intake appointment so the policy would be active in time. At the same time, my RECENTLY ADOPTED DOG WITH NO HISTORY OF PAIN, started showing signs of hip or back pain. I didn’t know if it was an injury or a chronic problem, so I asked the vet what to do. They let me know since she was still eating/drinking/pottying and walking I could wait until our appointment. At that appointment, we discussed testing some meds and getting some imaging done. In December, I had an immunization appointment where I also picked up meds. They denied the claim because the “undiagnosed lameness” presented in their stupid 14 day window. Then, when I got imagine done in February, they denied that claim, too. Again, I had this dog for TWO WEEKS when I started a policy for her. But because she started presenting with symptoms at the same time, for the REST OF HER LIFE, her hip dysplasia claims will be denied. This is an absolute discouragement to adopt, and especially to adopt older or medically complex dogs. Mabel is around 2, and I had no expectation she would be medically complex… But now the policy I got for her so she’d be well cared for even if money was tight won’t cover her biggest need. If I find a policy who will cover her (now diagnosed) hip dysplasia, I will leave Pet’s Best in an instant. They love money, not pets.
Peace of Mind makes all the difference
I recently had an extremely emergent situation with my sweet dog. She needed emergency surgery and to spend a few nights in the hospital. I was given an estimate of 7-9K. However, I was able to easily decide to get her the care she needed knowing that I could trust Pets Best to cover 90% of the charges and to process the payments within a month or so of my submittal. I had many smaller claims covered very quickly in the past and this set my mind at ease. It gave me one less worry to deal with at such a scary time. I was able to concentrate on getting my girl better and giving her all my love without having to worry how I was going to pay for her care. I was able to put the fees on my credit card and pay off 90% of it before any interest was even applied because I received payment very quickly after submitting my claim! I always recommend Pets Best to other pet parents!
First Time User of Pets Best Insurance
"We are a first time PetsBest subscriber, which we got for our new little orange kitten, Leo. We used it for the first time when we had him neutered and vaccinated. We were glad we had the insurance as it was very expensive. The submission and reimbursement was quick and easy, thank you!"
Insurer: Pets Best
By: Cynthia
Great Service from a Great Company
"Our five year old Golden Retriever had to have a small mass removed from her front foreleg. A week after the surgery — and one week before her sutures were due to come out — she got away from my wife in out backyard and ran and jumped like she was completely fine. After a trip to an emergency Vet to fix her opened sutures we now had to deal with a new bill to submit. Pets Best was wonderful in the way they handled our claim and were very quick to reimburse us. We couldn't be happier with our experience!"
Insurer: Pets Best
By: Greg
Frustrating Outcome
I recently filed several claims with Pets Best and much to my dismay, they denied a series of x-rays due to a pre-existing condition but the X-rays were taken for a lump on my dogs belly. They assumed the x rays were for her hip but the SOAP notes very clearly state it was for her chest. When I brought this to their attention, their customer service rep Julia tried to help me out and get them to review it, but instead of the claims department owning their mistake, they said I must file an appeal which will take 90 days. So now I must file an appeal and essentially send in documents I already sent them , in order to get them to fix THEIR mistake. Very very very disappointing.
Insurer: Pets Best
By: Kristen
REIMBURSEMENT IS GREAT
"I have had Pets Best for my baby since he was 2 months old, and he is now 11. This has helped us tremendously with the unexpected issues that rose up. Having Pets Best is definitely a great help. I have spent so much money over the past few years with all the issues. He now has arthritis, he went blind last year from SARDS, and a few other issues that have come into play but thankfully the test have come back negative, or we have been able to rectify with proper care. Having reimbursement in place has been a big help with all the medical expenses. I would not have been able to financially keep up the care I have been able to provide for my baby if it were not for Pets Best. I have called them and the 24/7 WhiskerDocs on several occasions and everyone is always helpful and caring. We highly recommend getting Pets Best for your baby/babies. Although, I do wish the premium did not go up every year, lol."
Insurer: Pets Best
By: Sylvia
Pawsome service, Healthy Paws!
My 8-year-old Havanese (aka "circus dog" – always jumping) lived life on easy mode… until last year. First, he got Lyme disease, then a mystery limp. Vet ran all the tests, found nothing, but the bills sure found me. Healthy Paws covered its share in a few weeks - which is reasonable given that this was his first insurance claim. Then, plot twist: orthopedist discovered that he had an ACL tear. Surgery needed ASAP. The bill? Yikes. Healthy Paws? BOOM – claim paid in 3 days! Faster than my dog can steal a treat. Pawsome service! Keep up the great work, Healthy Paws! 3 slobbery kisses from my pup! 🐶
Insurer: Healthy Paws
By: Krishna
Outstanding customer service
Outstanding customer service, no wait times when trying to reach a representative. Received pre approval within 24 hours and I was reimbursed in roughly 2 business days from the time of submitting my claim. Couldn’t ask for a better experience!
Insurer: Pets Plus Us
By: Matthew
Pets Best insurance and our Bailey boo
Our cat boo has been going through some issues, and pets Best has been there for us, covering claims and making the process painless… we have had pets Best for 10 years and never a issue on coverage or our policy claims..
With HealthyPaws we could make the right decisions without fear
We can't thank HealthyPaws enough for being there when our family most needed them. We have been HealthyPaws customers since Biscuit was 4 months old and have never been disappointed, and in all seriousness we can say you are our favorite business relationship, one of the few that does more than promised and delivers exactly what you say you will with care, empathy, professionalism and speed. Biscuit like any dog has had his exciting moments, he got a bite that got infected, he broke a paw and has had various other predictable canine troubles, and every time we needed Healthypaws to step up they have been there. Frankly human health insurance, car insurance and life insurance should be run with the speed and dedication the Healthypaws team shows to our furry friends. But none of those situations prepared us for what transpired in the past couple months. When Biscuit needed surgery to remove a tumor on his liver we were advised that it was a risky but fairly routine procedure, it turned out to be far more complicated and treacherous than could have been anticipated. We are happy to report that after 3 near death experiences and 2 weeks in the ICU Biscuit is back on his feet and recovering brilliantly. It was a harrowing experience and there were difficult decisions that had to be made on a number of occasions, but we knew that with HealthyPaws we could make the right decisions without fear. On behalf of ourselves and Biscuit, thank you!