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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DO NOT use this company!
I purchased additional insurance from my vet that they do not cover because this is not enough. My VET insurance balance remains on my bill and even though my vet bills are paid in full they will not pay my claims until my additional insurance is paid at my VET. The most ridiculous reason not to pay I have ever heard. I am already filing a claim with the scc and the bbb. They are robotic and do not care at all. They have even called and confirmed my vet bills are paid in full and still denied me. When I kept calling them to explain they did not care. I asked them to cancel me and they did without concern at all and no other explanation. Worst customer service ever!
Insurer: Pets Best
By: Lori
Good coverage, straightforward claims process
Good Coverage: We purchased Healthy Paws coverage for our two dogs several years ago and chose the 90% reimbursement option. So far, our policy has covered X-rays, ultrasounds, bloodwork, a CCL (dog ACL) surgery, multiple lumpectomies, radiation, hospital stays, prescription meds... to the tune of tens of thousands of dollars. Basically, one of our dogs is alive and kicking because we have coverage. We've never had any issues with them refusing to pay a claim or disputing a claim. Note: If you're shopping for a policy, be sure to check the fine print about injuries. One of the reasons we went with Healthy Paws is that they are one of the few pet insurance companies that will cover injuries in addition to illness (the reasoning of other companies being that injuries are the result of negligence, I guess?). After the CCL surgery for our dog--which most policies out there wouldn't have covered--we're grateful that we did. Straightforward claims: The claims process is straightforward--just upload itemized and paid receipts--and claims are usually processed very quickly. It is a reimbursement model, so we use it in combination with a Care Credit account, and we have always been able to pay the card off with the reimbursement before the first payment comes due. It has most of the usual caveats for pet insurance: No, they don't cover preexisting conditions. No, they don't cover preventative care or office visits. Yes, your rates will slowly increase over the years. If you are lucky and your pet never has an emergency or a major health issue, you will spend thousands of dollars over their lifetime in insurance payments and wonder why you even bothered. If you are like us, you will thank your lucky stars that you got the policy as you watch the vet bills roll in and realize that the insurance makes it possible for you to treat your pet. In other words: it's insurance. BUT if you have decided to get pet insurance, Healthy Paws is probably just about the best out there.
Insurer: Healthy Paws
By: Susan
Because of great customer service and great coverage when needed
Because of great customer service and great coverage when needed
Insurer: Trupanion
By:
Easy and Quick
Easy to file online, and thanks for the quick review/action by Trupanion.
Insurer: Trupanion
By:
Easy claims process
Always very easy to manage claims. No complaints.
Insurer: Trupanion
By:
Easy Peasy
Great experience. Easy to get claims reimbursed.
Insurer: Trupanion
By:
Great service fast reimbursement amazing coverage!
Great service, fast reimbursement, amazing coverage!
Insurer: Trupanion
By: