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 wish I could say SPOT will have your back, but I can’t…
I wish I could say SPOT will have your back, but I can’t… We purchased the policy when my puppy was 3 months old. He got into trouble and swallowed rocks twice: once before and once during the insurance waiting period. The first time, he went to the ER for an endoscopy to remove them from his stomach. The second time the Dr made him puke it out. He had diarrhea for a couple weeks after due to all these procedures, but it went away after some time. It was all paid out of pocket ($4K) because the policy wasn’t active at this time. Too bad timing didn’t work out but that was the rules we agreed to, no hard feelings there. After the waiting period was over, our dog started causing destruction around the house when left alone. He bit entire corners off the walls and literally ate two holes through the wall when left alone inside a gated kitchen for less than 1 hr. We consulted with the vet and they wrote a letter diagnosing separation anxiety and recommending behavioral treatment, which SPOT claims is covered. We submitted the letter from the Dr and letter from an animal behaviorist outlining a treatment plan to SPOT for approval. They denied coverage claiming that eating rocks when he’s with us is a sign of separation anxiety and is therefore a pre-existing condition. I argued it is unreasonable to claim that a behavior observed when accompanied is a symptom of separation anxiety, but they disagreed. They also disagreed with the Dr’s letter that, literally and word by word, states the diagnosis for separation anxiety is unrelated to eating rocks. SPOT formulated their own diagnosis for my dog that justifies rejection of coverage and denied the claim. At some point the diarrhea came back and lasted for weeks. The vet put him on medication for a month but wasn’t getting better so they recommended doing a full blood panel to diagnose any physical issues. SPOT rejected coverage for the vet’s medication, the blood panel and diagnostic tests claiming that because he had diarrhea before, it is a pre-existing condition and no treatment would be covered. I’m not one to leave bitter reviews around the internet but I at least felt I had to share my experience and warn others.
Insurer: Spot
By: Guillermo
Very quick to review claim
Healthy Paws was great with the claim for my kitty. She had to get emergency surgery on her abdomen, which ended up costing us a lot without any budgeting for it. Luckily Healthy Paws was able to reimburse me 80% (which is my selected reimbursement amount). We ended up paying less than a 1/3 of the total cost. They were very quick to get the claim through, checked in a couple times, and I received the check only a week after submitting the claim!
Insurer: Healthy Paws
By: Emily
I wish I could say SPOT will have your back, but I can’t…
I wish I could say SPOT will have your back, but I can’t… We purchased the policy when my puppy was 3 months old. He got into trouble and swallowed rocks twice: once before and once during the insurance waiting period. The first time, he went to the ER for an endoscopy to remove them from his stomach. The second time the Dr made him puke it out. He had diarrhea for a couple weeks after due to all these procedures, but it went away after some time. It was all paid out of pocket ($4K) because the policy wasn’t active at this time. Too bad timing didn’t work out but that was the rules we agreed to, no hard feelings there. After the waiting period was over, our dog started causing destruction around the house when left alone. He bit entire corners off the walls and literally ate two holes through the wall when left alone inside a gated kitchen for less than 1 hr. We consulted with the vet and they wrote a letter diagnosing separation anxiety and recommending behavioral treatment, which SPOT claims is covered. We submitted the letter from the Dr and letter from an animal behaviorist outlining a treatment plan to SPOT for approval. They denied coverage claiming that eating rocks when he’s with us is a sign of separation anxiety and is therefore a pre-existing condition. I argued it is unreasonable to claim that a behavior observed when accompanied is a symptom of separation anxiety, but they disagreed. They also disagreed with the Dr’s letter that, literally and word by word, states the diagnosis for separation anxiety is unrelated to eating rocks. SPOT formulated their own diagnosis for my dog that justifies rejection of coverage and denied the claim. At some point the diarrhea came back and lasted for weeks. The vet put him on medication for a month but wasn’t getting better so they recommended doing a full blood panel to diagnose any physical issues. SPOT rejected coverage for the vet’s medication, the blood panel and diagnostic tests claiming that because he had diarrhea before, it is a pre-existing condition and no treatment would be covered. I’m not one to leave bitter reviews around the internet but I at least felt I had to share my experience and warn others.
Insurer: Spot Canada
By: Guillermo
So Thankful for Healthy Paws!
I am.so thankful for Healthy Paws and how quickly they reimburse me for my pet's vet bills. I have a pup who suffers from skin issues and chronic UTI'S and I never have to worry about her treatment because Healthy Paws always comes through for her! The peace of mind this policy brings me is amazing! I will never go without pet insurance through Healthy Paws!
Insurer: Healthy Paws
By: Kelly
COVID-19 Veterinary Care
I was reluctant to get pet insurance but realized my dog is only getting older and will not put a price on my dog’s life. I had little money for premiums so I setup what I would call a ‘catastrophic’ policy- with a $1,000 deductible and 20% copay. And hoped I wouldn’t have insurance hassles. A year later my 14 yr old dog started limping and progressively not walking. It was difficult to go through the progressive diagnostics to get to the proper diagnosis and that was well over a month. Just when a diagnosis and recommended treatment are finally achieved a pandemic hits. There are few AAHA Hospitals with the expertise and technology available for an MRI and hemilaminectomy to begin with. And now many were closed due to COVID-19. It was a struggle to find one, find one open and as we all know you can’t immediately get Veterinary care. Ultimately I drove to another state. Despite all this Embrace proved they weren’t a hassle or haggle. And that was a lifeline during a very difficult time. My claims greatly exceeded my premiums and when it was time for renewal I thought they would drop me. That didn’t happen.
Insurer: Embrace
By: Amy
If you have pets, you must get insurance!
I adopted 3 rescue kittens when they were 4 weeks of age in 2017. After I got them home, I searched online for pet insurance (this is the first time I have had pets) and Healthy Paws had good online reviews so I went with them. It's a good thing I did, one of the rescues (Mittens) recently developed bladder stones (she's only 2.5 years old) and the vet said surgery was the only option. With Healthy Paws insurance, my final out of pocket cost was $1,600 on a $6,300 vet bill. Getting pet insurance was probably the smartest decision I've made -- the monthly premiums are quite low for the 3 but when a health issue arrives, you will be so grateful that you have insurance. Healthy Paws processes the claims very quickly (it's all done online) and it couldn't be easier. A+++ all the way. I (and Mittens) really appreciate Healthy Paws!
Insurer: Healthy Paws
By: Brian
True Insurance and peace of mind!
The process was very straightforward and the coverage is comprehensive.
Insurer: Trupanion
By: Lawrence
ALWAYS receive excellent customer service and love the instant claim submission and approval at the vet¡¦s office.
ALWAYS receive excellent customer service and love the instant claim submission and approval at the vet¡¦s office. Really gives us peace of mind... thank you!!
Insurer: Trupanion Canada
By:
Because I¡¦ve only ever had a perfect experience with Trupanion :)
Because I¡¦ve only ever had a perfect experience with Trupanion :)
Insurer: Trupanion Canada
By: Karen
Trupanion is quick an easy to work with
Easy to contact and get answers, plus they provide quick processing of any claims submitted.
Insurer: Trupanion Canada
By: Jo