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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Easy Claims, Excellent Coverage
Lemonade offered competitive rates for our 5 yr old Golden, so I figured it was worth switching from a previous provider and giving them a try. So far, coverage has been great, claims are very easy via the app, and service is excellent overall.
Insurer: Lemonade
By: CC
Very Pleased
I am very please and thankful that I have the insurance coverage for my animals because I got reimbursed money and it only took a few days for it to be wired to my bank.
Insurer: Lemonade
By: Dee
Pets Plus US for the win!
My beautiful chocolate lab had TPLO surgery when she was 1.5 and now the other leg at 4.5. Both times she has needed this surgery, both the Vet (same animal hospital) and the insurance company were amazing. The estimate was submitted, approved in 48hrs and the claim paid to me within 7 business days of her surgery. Zero hassles or issues. Submitting a claim on your own is simple, fast and easy. I will never own another animal without pet insurance from Pets Plus Us! Highly recommend!!!
Insurer: Pets Plus Us
By: Shannon
Pets Best is the BEST!!!
I am so grateful for our dog's medical team and everyone at Pets Best! It is not easy to see your pet in pain and discomfort. The customer care team and Pets Best supported me throughout these difficulties and helped me understand the claims process, and the unlimited cap on our coverage is making it possible for us to give our dog the medical care he needs for the rest of his life. Our first set of claims added up to $2,700, just to figure out what was wrong and get the meds he needs. Pets Best paid out, as promised, and made the claims process easy! Thank you to everyone at Pets Best and thank you to all the amazing doctors and specialists who are providing such great care for our beloved pup!
Insurer: Pets Best
By: Shara
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