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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Reliable!
We adopted our dog at 18months, she was a mess as she wasn't treated kindly by the original pet owners. We went for years and only needed to submit a claim 3 times for minor cuts. I felt that they were reasonably prices and the annual premium increase was minimal and worth the potentials of what we would need it for. Recently our almost 7 year old, active and healthy seeming dog started changing. We experienced what felt like a nightmare when this past month we took her in for what we thought was digestion issues only to discover that she had an enlarged heart with arythmias that needed to be looked into further. While we waited she took a turn for the worst and was sent to the ER vet (PRICEY!) to see a cardiologist and was diagnosed with congestive heart failure and put on a multitude of medications and strict follow up regimen. The easiest part of this whole experience has been working with out insurance. They reimbursed us for 90% of our covered bills and medications to help make what we assume will be her last year of life a comfortable one (the things they don't cover is minimal and very transparent)! We probably submitted close to 10 claims this past month and there hasn't been a single one that we needed to negotiate coverage for not to mention each invoice was direct deposited into our bank account in less than 5 days! Healthy paws has has amazing customer service, efficient billing, reasonable pricing, and has been well worth the affordable monthly premium. If it wasn't for our insurance we wouldn't have been able to provide the care for her that she needed, especially in this financial climate of being a small business owner in the midst of Covid19.
Insurer: Healthy Paws
By: Sabrina
Very very dissatisfied with this company!!!
I would not recommend this company to anyone! They take your money and do not explain their policies fully. I lost my pup and cremated her and then they told me it was not covered by her policy. They said I needed to upgrade, after the fact.
Insurer: AKC
By: Ronnie
Healthy Paws is the best pet insurance company ever
I subscribed to Healthy Paws pet insurance when my puppy was ~12 weeks old. I wanted to make sure that if she ever got a severe/random disease like cancer that I wouldn't have to think about whether or not I could afford treatment. When my dog was about 2 years old, she started getting really bad environmental allergies which has led to constant ear infections, UTIs, skin problems, scratching, etc. in addition to monthly Cytopoint injections ($100 each!!). Healthy Paws has been extremely easy to work with and usually completes claims and reimburses us within 1-2 days of submission. We are now trying out immunotherapy on our dog to actually treat her allergies, and I don't think we'd even be able to consider that if we didn't have coverage through Healthy Paws. I would recommend Healthy Paws to all dog owners and I would just recommend getting it as early as possible to avoid having pre-existing conditions that might deny coverage!
Insurer: Healthy Paws
By: Sarah
Pet's Best paid my claim with no hassle
My cat needed a full mouth extraction just a few months after the mandated waiting period when I first signed her up. I fully expected a lot of hassles when I filed my claim but they paid everything they said they would (minus the $583.89 deductible and the co-pay). It was a $3,339.22 surgery and they paid $2,755.33 of it. I'm glad I signed her up. Caveat: They did require proof of a dental exam within the previous year that didn't diagnose periodontal disease or stomatitis, to rule out pre-existing conditions. I had done that so I was fine, but they do have that requirement.
Insurer: Pets Best
By: Laura
They deliver EXACTLY what they promise!
They deliver EXACTLY what they promise - and they do it quickly - so fast that the money arrived before the credit card bill!
Insurer: Healthy Paws
By: Lawrence
I wish my own health Insurance was this good
I tell all of my friends that have pets about Healthy paws pet insurance, it really gives me peace of mind every time my dog is sick or hurt. The claims are simple all you need to do is snap a picture of the bill and email it to them, they respond right away that they received it and have begun working on a claim number its paid in less then a week and is direct deposited right into my account. No hassle or worry !!! I do recommend this for all pet owners get it right away.
Insurer: Healthy Paws
By: Betty
Healthy Paws has been awesome for us!
We have a 7 month old lab. His name is Milo. Before we bought our policy from Healthy Paws, I researched several companies. In the end, I chose Healthy Paws. I liked the idea of a small annual deductible and 90% unlimited coverage with a reasonable monthly premium. I definitely made the correct decision as we are very pleased and highly satisfied with Healthy Paws' service. We have used the policy several times since we have had Milo. One of the reasons that I chose Healthy Paws is because it does not have a maximum annual or lifetime amount of coverage. It is uncapped. I am especially pleased with how easy it is to submit a claim, how quickly the claims are processed, and how quickly the funds are deposited to my account (usually within 1-2 days after processing). I simply snap a photo of the vet's invoice and upload it on the Healthy Paws app. Shortly thereafter, I receive an alert that tells me that it has been received. Not long after that, I receive another alert telling me that it is being processed. Lastly, about a day later, I receive a final alert telling me that the claim has been processed. I click on the link to see the details of the claim and what was covered. At the start of the policy, we had to submit Milo's initial medical records to Healthy Paws. Since Milo was a puppy, they wanted his full shot records and initial vet examination notes. Once I submitted that info, all claims have been processed without the need for any doctor's notes. I simply upload the photo of the invoice and the claim is processed. That simple. Once last point, Milo recently had to undergo some expensive testing because he was experiencing prolonged diarrhea and vomiting. The bills from the vet were covered by Healthy Paws saving us a very large out of pocket expense. Milo is doing much better. It appears he had a bad reaction to something he ate. Healthy Paws actually sent us a personalized email asking how Milo was feeling. We felt that was pretty special. Without hesitation, my family and I strongly recommend Health Paws!
Insurer: Healthy Paws
By: Jim
Best insurance company ever
I've had my babies insured with Healthy Paws since 2015, and for first couple years I thought about removing it because we hadn't used it. So glad we didn't. Three years ago one of my boys had to have TPLO surgery and we just didn't have the upfront money that you're supposed to pay. After speaking with my vet and Healthy Paws they agreed to do a direct pay. Day of surgery came and they were true to their word, what's more they sent the payment over within 24 hours of receiving final bill. What's more they follow up with me via email and phone to see how Chance was doing and even sent him a get well soon post card. Most recently we've also had to get two growths removed on Chance. Again, the level of service has been great, my claim was completed within 72 hours of me submitting the claim. What's more, they've even followed up to check how he's doing since then. I wouldn't change this for the world. I can say that with the health scares and costs we've incurred with both our boys (they're both in physical therapy) the last thing I've had to worry about is whether they're going to cover things or if I'm going to have to argue for reimbursement. Even though our premiums did increase a bit this year, I still wouldn't change them. The level of care they show for pets is all worth it.
Insurer: Healthy Paws
By: Catherine
I pawsitively recommend this insurance!
Ryker here, a golden retriever. Gonna be 2 in December. My human saw dog insurance mentioned on some pet pages on social media and heard about Healthy Paws. She said it was an easy app to download and got a quote that seemed reasonable. She decided to go ahead and get it but hoped it was never needed. Fast foward six months and my human got some scary news from that vet lady. She took some x-rays and took some blood. Vet lady said I had a suspected liver shunt. Then my human found out from more tests that it was an expensive surgery. What a relief it was to have Healthy Paws so she didn't have to worry as much about the cost and could focus on getting me better. My human took my furry country butt to The Big Apple for surgery on a Tuesday. I got to leave with her on Wednesday and she easily submitted the bill with the app. The following day, my humans were driving me home and got a message from Healthy Paws as to how much they would be paying and that a check would be cut in the next few days. They raved about how great this was and how thankful they were to have Healthy Paws. Melissa Woodrow For Ryker
Insurer: Healthy Paws
By: Melissa
Insure your pet with Healthy Paws at adoption
Healthy Paws has been a wonderful insurance provider for our pet family. We are huge animal lovers and currently have two Boston Terriers and we also had two other Boston Terriers that have since passed away in 2016 and 2018. Every single one of our dogs has been covered by Healthy Paws insurance and the claims process is incredibly easy and super smooth, unlike any other insurance company that I've ever dealt with. In addition, they have covered some expensive procedures on our pets and always allow us to make the right health decisions for our pets based only on their quality of life and not the cost of health care. I cannot express how much this alone has meant to us. The staff at Healthy Paws truly cares about your pets as they will even follow up with you on how they are doing. I really wish I would have known about them sooner so that we could have had insurance on our other two from their date of adoption. Moving forward, we will always be insuring our pets with Healthy Paws starting on the day we adopt them. We have introduced four of our friends to Healthy Paws as well through the years and they have all had similar experiences. Thank you so much Healthy Paws for being such an amazing company!
Insurer: Healthy Paws
By: Natalie