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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Great coverage and price
I just enrolled, great coverage and the price is good.
Insurer: Furkin
By: Sam
Highly recommend them
Claims service is wonderful. Claims are paid promptly and fairly. I wish my health insurance was as good as my dogs!
Insurer: Healthy Paws
By: Robert
Very pleased
I filed 2 claims with Embrace so far, one for Daisy’s bladder stone surgery and one for Duke’s ACL tear repair. Both claims were approved within 3-4 weeks. I called the company once with a question and a live person answered and resolved my issue. I’m very pleased and thankful i have my dogs insured. Duke’s surgery alone was over $7000!
Insurer: Embrace
By: Cindy
Emergency Vet Exams not covered, and Co-Insurance is! READ the FINE PRINT!!!
Two weeks ago, my dog was attacked by a large unleashed dog while being walked. She was bit, and had several serious lacerations on her neck, requiring the insertion of a drain, several stitches, medications and a 2-day hospital stay. The cost of it all came to $787.64. My plan provides for a $500 deductible, with an 80% reimbursement percentage, so I assumed my reimbursement would be $230.11 (80% of the $287. 64 allowed after subtracting my deductible.). To my utter shock, I received a completed claim notice advising me that I would receive a total of $17.32 on my $787.64 claim! I immediately called and was told that the $141 “emergency exam” charge was not covered. The policy exclusion does in fact list “veterinary exams,” although it does not state “emergency veterinary exams,” which this one was listed as by my vet. I interpreted the exam exclusion to mean routine examinations, as I’m guessing most people would. After all, how can a veterinarian be expected to treat a badly injured dog brought in as an emergency without first ascertaining the type and degree of its injuries? Would it have been preferable for her to take xrays, or do a CAT scan, or even surgery without examining my dog to insure there was nothing more serious going on? Of course not…yet these more invasive diagnostic procedures would have been covered. Then to add insult to injury, I was advised that of the $646.64 allowable charges ($787.64 minus the $141 emergency exam), I had a co-insurance obligation and was required to pay 20%, or $129.32 before subtracting the $500 deductible. In other words, $129.32 would be subtracted from the $646.64, giving me $517.32. After subtracting my $500 deductible from this amount, the reimbursement for my $787.64 fee would be $17.32. I am not challenging this later charge, as I clearly did not pay attention to this little bit of very expensive and confusing fine-print in the policy! But I find it interesting that none of the so-called pet insurance review sites ever mention it under the list of policy “cons.” And, by the way, this is not a standard requirement of all pet insurance companies (see Embrace, for instance), so I encourage pet owners to read the fine print more carefully than I did before deciding on a plan. And to take Healthy Pets off the list of “one of the best.”
Insurer: Healthy Paws
By: Laura
Latest 1 comments
Laura, We’re so sorry that you baby was attacked and injured by another dog. We do our best to be transparent regarding the limited exclusions of your Healthy Paws plan. Those exclusions are pre-existing conditions, preventative/routine care, and the office visit fee (vet exam, emergency exam, recheck or consultation).By making these limited exclusions part of the pet parent's financial responsibility, it allows us to offer a complete accident and illness plan at an affordable monthly premium. We also make every effort to inform our clients on how our reimbursement calculations work. We include this information (including examples) on our website within our "Frequent Asked Questions" page. Our process for calculating reimbursements is approved by each state's Department of Insurance and are based upon the deductible/reimbursement level a client chooses at enrollment. As with any policy with a deductible, that deductible must be met before any claim reimbursement.
My fog would be blind without Pet First
After insuring with Pet First, ny dog became diabetic and then blind. With the insurance I was !able to have her sight restored! I tell Every dog owner about Pet First!!!
Insurer: MetLife
By: Lynne
Simple and easy claims process and well worth the money.
We are very happy with the service provided by Healthy Paws. The claims process and the app were very easy to navigate. The insurance is worth every penny. We’ve had two instances of needing the insurance and Healthy Paws was quick to process and pay out the claims. They also checked in on how our dog was doing. This has probably been the best insurance process I’ve been through with any type of insurance.
Insurer: Healthy Paws
By: Trung
Researched and Furkin was the best
Signing up was quick and easy. After comparing pricing and coverage, I found Furkin to be by far the best. I have not had any claims yet so time will tell how good this company really is.
Insurer: Furkin
By: Cindy
Trupanion - Friendly, Thorough, & Fast
We have had several claims recently and we received payment for the covered amounts from Trupanion within a week. Needless to say we are very happy with such a fast turnaround as it really helps with keeping our budget under control.
Insurer: Trupanion Canada
By: Albert
Healthy Paws Alleviated Significant Financial Stress for my Family
My pug, who had always been incredibly healthy, simply jumped off of our couch (something he had always done!) and immediately lost feeling in his back legs. We had to rush him to the hospital for immediate care and hospitalization. An MRI showed a herniated disc and significant spinal trauma. The hospital kept him for a period of days as he was going to need medication, rest and rehabilitation (and maybe eventual surgery). With the vet, we came up with a care plan in order to bring him home. But the first day we brought him home - he had a bad reaction to medication and had to be hospitalized again. All in all, he was hospitalized for almost a week. We were devastated and very stressed, to say the least. In the background, knowing we had Healthy Paws made all the difference. The claims process was so smooth and simple, and the reimbursement was in my account so quickly. Not having to fight on the financial end of things made our lives easier when all we wanted to do was focus on our fur baby. I am grateful that we have pet insurance with Healthy Paws, 10000%!!!
Insurer: Healthy Paws
By: Stacey