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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They wont pay you a dime
They make it very hard to submit any claims and even of you do they will find any "exception" possible to not pay you. We submitted 5 vet bills and they didn't pay a penny on any of them. I'm going back to Petsecure.
Insurer: Pets Plus Us
By: H
Best Customer Service Experience
This was my first time having to file a claim and unfortunately I had to take my little guy twice in one week to the vet. Talk about a big bill. Healthy Paws made the process super easy from beginning to end. Afterwords they even reached out to see how my feline friend was doing. Great customer service!
Insurer: Healthy Paws
By: Sarah
So glad I purchased this insurance.
2 years ago I purchased Embrace insurance, I was not happy with them. After joining a Facebook pet insurance group, I read up on peoples posts and replies. I saw a few insurance policies that looked interesting to me, I called several of them and ultimately chose Met life Pet. My coverage includes wellness, illness, and accident, it was 250.00 deductible and 0 dollars out of pocket once I met the 250.00 deductible. My coverage was 5k per cat ( I have 2) total of 10K. One of my cats developed colitis, and the monthly prescription is 100% covered because it was not a per-existing condition. My experience with submitting claims has been seamless when using the phone app. I am able to send claims on the computer as well. Customer service has been fantastic by phone and email. It is best to call for the best policy quote, CS reps are very knowledgeable when speaking by phone. I have heard that the coverage available have changed, but it is still a good deal. I am very happy with the insurance!!
Insurer: MetLife
By: Gloria
Figo is awesome! Give them a chance!
I’ve insured several of my dogs with Figo all the way back to 2018. My dog Thor has been on Figo Pet Insurance since I adopted him in November of 2019. My experiences have all been positive. Filing claims is super easy and you can check the status of your claim on the Figo/Pet Cloud app. Customer service has always been top notch and they pay out reimbursements quickly. The only thing I wish Figo would have is direct pay to the vet. If they had that, it would help pet parents that can’t pay for vet care and then wait to be reimbursed. Great job, Figo!
Insurer: Figo
By: Adrian
M.Riley
I have a 6 year old female Australian Shepherd who became violently ill with non stop vomiting. Brought her to an animal emergency vet, $600 later brought her home - still vomiting. Took her to another animal hospital- she was admitted for two nights for observation and dehydration; desperately in need of IV fluids. Total bill - $ 2000. So relieved to be able to make a claim on the pet insurance. I had a $100 deductible and was covered 80%. It relieved the financial burden and I was able to focus on her recovery.
Insurer: MetLife
By: M
Couldn’t be happier
I am so grateful for having signed up with Trupanion for insurance for my cat. As we know unexpected things can certainly come up. Long story short my cat was hospitalized for two days and without Trupanion my cost would’ve been close to $5000. they reviewed my claims instantly and approved everything. They paid the vet directly, and I only had to pay the balance. highly recommend!
Insurer: Trupanion
By: LESLIE
Pet Insurance
I received reinbursement when Scarlet had Lymphoma of the eye. I paid the co pay and the rest received from insurance. Now just recently been diagnosed with Cushing Disease and Proteinurea. Took awhile for information to cross over from the Vet sec, but after sending papers another way, am starting to received money back to help out with this cost.
Insurer: MetLife
By: Ruby
Claims
I have 2 pets on this insurance. 2 claims were reveiwed, both claims accepted. It is stressful having pets with medical problems , dealing with the stress with the comfort of the pets, they are family, don't want to see them in distress. Thankfully this has helped take some stress and worry away. Thank you
Insurer: MetLife
By: Marlene
Very dissatisfied
We have been satisfied with this company until last year. Since the Summer of 2022 the insurance has not reimbursed us for any veterinary/emergency visits for our beagle. They don’t reply anymore to the phone, you cannot leave a message, and whenever I wrote to them the past 8 months I got an automatic reply, see below: Hello, Thank you for your email. We’ll review your claims submission and contact you shortly. Please visit us online for Frequently Asked Questions and answers about the policy at www.healthypaws.com/frequent-questions. We can be reached via phone call during the following times: Account Management & Enrollments Monday-Friday from 7:00am to 5:00pm Pacific Time Saturday from 8:00am to 5:00pm Pacific Time Claims Assistance Monday-Friday from 7:00am to 4:00pm Pacific Time Saturday from 8:00am to 5:00pm Pacific Time Warmest regards, Healthy Paws Customer Care Being sent on behalf of Stephanie Owens CA Lic. #0D28042 I also emailed to the company’s CEO and don’t know what to do, except to hire a lawyer or go to Small Court?? Very upsetting Are they bankrupted?? No idea
Insurer: Healthy Paws
By: Catherine
Latest 1 comments
Catherine, We truly appreciate you being part of the Healthy Paws family for over 12 years. We're sorry that your recent customer service experience did not meet your or our expectations. In regards to your claims, your 2022 claim was not eligible for coverage under the behavioral exclusion in your plan. Your other claims were either processed/covered and applied to your deductible or denied since they were for a condition that was noted as being pre-existing prior to your enrollment or during the plan waiting period. We do our best to be transparent throughout our website, during the enrollment process and in the plan documents available to each client in their online Healthy Paws account regarding the limited exclusions of our plan. Those exclusions are pre-existing conditions, preventative/routine care and the office visit fee (vet exam, emergency exam, recheck or consultation). Anyone visiting our website can see this information on our “Benefits, Coverage and Exclusions” page.
Seven years of great coverage and service
We are very satisfied with Healthy Paws pet insurance. The mobile app makes it super easy to submit a claim and the review/reimbursement process always moves quickly with good communication and responsiveness. I highly recommend and appreciate their efforts for personalized follow up.
Insurer: Healthy Paws
By: Melissa