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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Trupanion was there for us!
Our 1 year old dog needed surgery for ingesting a ball. The event was traumatic for him and us and the ease with which Trupanion handled our claim was amazing and appreciated!
Insurer: Trupanion
By: Leslie
Denied everything
Unfortunately this company denied claims for an allergy skin condition treatment they insisted was pre-existing. I don’t know how they could determine that?! Certainly not true. I protested and they came back with same response. It takes over a month for claims to be processed too. Very disappointing.
Insurer: Pets Best
By: Lisa
Excellent
One of the first things I did when I got my Lab puppy at 8 weeks was sign up for pet insurance. Having researched different insurances I landed with HealthyPaws because of their good sonsumer rarings, competitive premiums and website user friendliness/interface. I have never regretted this decision. The premium has climbed significantly in the 8 years since I have been a member, but my Lab has gone through an array of health issues since she was a puppy - chronic stomach issues, two knee operations and kidney disease to name a few - and HealthyPaws has saved me thousands of dollars despite the monthly premium payment. Their claims submission process is simple and straight forward, their claims department immediately confirms receipt and the review and processing time is very prompt. A detailed explanation of benefits and reimbursement follows within a matter of days. Their customer service phone support has also been outstanding, helpful and friendly. I recommend Healthy Paws to anyone looking for dog insurance, in particular if you have a young puppy with no pre-existing conditions to maximize the benefit.
Insurer: Healthy Paws
By: dj29
Terrible Customer Service- took over a month to process any claim or get a reimbursement
I cancelled my policy with Pet's Best after using them for about 6 months. To pay $45 a month on pet insurance and not receive adequate customer service is unacceptable. The claims process was extremely lengthy- took over a month for anything to process and I had to be the one to keep reaching out asking what is going on. I feel as though businesses are now using Covid as an excuse for poor customer service and that doesn't sit well with me, when these claims can all be processed via the internet. Overpriced insurance for low quality service. Would not recommend.
Insurer: Pets Best
By: Emily
worst rip off dog ins
this is the worst ins i have ever come across you collect more than 400 a month on my dogs and then you won't even reimburse for for their heart meds
Insurer: Pets Best
By: deanna
Seems like a rip-off.
After paying the premium for a couple years, my dog needed emergency x-rays. It cost almost $400. Instead of any reimbursement, i was told that it would be applied to my yearly deductible of $500. Where's the benefit?
Insurer: Pets Best
By: Troy
Great experience!
Thank goodness we finally decided to insure Emmy, just months after we did, an extended (and expensive) hospital stay became necessary and Healthy Paws has been great, they have covered everything they said they would, and reimbursement has been quick. I had a minor issue with a claim and when I called customer service it was resolved quickly and kindly. We have a friend who is a vet and she has used Healthy Paws for years for her dogs; she is the one that referred us, and I am so glad she did!
Insurer: Healthy Paws
By: Anna
Painless & Fast
I've had a great experience with this company. During a stressful time with an injured pet, it's great to know that you're covered AND you will get paid out quickly. After 2 years of no emergencies with Phoebe, she unfortunately had 2 unrelated and EXPENSIVE emergency visits to the vet this month (sliced paw pad on a rock & swallowed a sock 3 weeks later). The first claim was so easy - and we were updated on the status each day (including saturday and sunday) and i received a check in the mail on the 3rd day! In her 2nd emergency, i was panicked that it might not get covered since we submitted a claim just a few weeks before. I shouldn't have been worried - the claim went through and was accepted and paid out within just a few days (which was a relief bc the bill for this one was almost 3000!). They were friendly, quick, easy and reassuring. Not only did they not give me a hard time with the 2nd claim, like i worried - but they followed up to make sure Phoebe was ok and healing well. It has been a really great experience. For a while, i was wondering if insurance was even necessary since i had it for 2 years without needing it...but this month PROVED how crucial insurance was and i was so thankful to have them on my side!
Insurer: Healthy Paws
By: Carolyn
Stay away!
Don’t choose this company, they will do everything they can and possible to deny your claim!!! Our 2 yr old cat got cancer and after much email and calling back and forth to figure out why the claim was taking so long they just wanted confirmation that we didn’t have our cat during a certain time period and he didn’t go to the vet during that time not that It affect our pet insurance. Then they now are saying a scar from a scratch he had gotten when he was 7 months old is a preexisting conditioning for cancer (lymphoma at that)
Insurer: Embrace
By: Charity
So grateful for the Healthy Paws team!
I can't recommend the Healthy Paws team enough! Our cat Mac got an infection that put him in the hospital overnight. On top of being an emotional mess, we were worried sick about how we were going to afford his care. Healthy Paws reached out immediately to check on him (and us!) and put our minds at ease. What would have been close to a $1400 out-of-pocket expense was just a fraction of that, and the HP team continued to check in on us to ensure Mac was on the road to recovery. We were hesitant about getting pet insurance at first, but are so grateful we made the decision to go with Healthy Paws. Their mission to help homeless pets is the cherry on top of a wonderful organization.
Insurer: Healthy Paws
By: Susan