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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Our dog has had several health issues…
Our dog has had several health issues in his nearly 6 years of life, including a rare condition that required surgery and medication for the rest of his life. He also recently had to have knee surgery, which was quite expensive. We have had only the best experience with Healthy Paws - our dog would be in a very different place without our insurance!
Insurer: Healthy Paws
By: Natalie Hotchkiss
The claim process was efficient and easy.
The claim process was very easy. The reimbursement was very prompt.
Insurer: Spot
By: Linda Jones
Claim process
Speed of claim reconciliation has been amazing. The ease of submitting our claim was straightforward. When dealing with a dog who is sick, this makes all the difference to a worried family.
Insurer: Pumpkin
By: Barry
Healthy Paws Pet Insurance DON'T DO IT!
I’m writing this review so no one else has the same experience I did with Healthy Paws Pet Insurance. I insured my cat in December 2020 and faithfully maintained coverage for over five years without ever filing a claim. In January 2026, my cat suddenly became very ill. I submitted two claims—one from my regular veterinarian and one from the emergency hospital, where we ultimately tried everything to save his life. Sadly, my cat had to be put down. While Healthy Paws did pay the emergency hospital bill, they denied the much smaller vet bill, claiming it fell under a “waiting period.” Their stated waiting period is six months, which had long passed since I had continuous coverage since 2020. Their reasoning was that they had no prior vet records on file, so they treated this as if the waiting period still applied. This makes no sense and feels incredibly misleading. A waiting period should be based on when coverage begins—not whether or not you’ve previously submitted a claim or provided records years later. For comparison, I also have four dogs insured through Trupanion, and their waiting periods are clearly defined and based strictly on policy start dates—not claim history. After paying premiums for years, to have a valid claim denied under these circumstances is extremely frustrating and, in my opinion, unacceptable. I would strongly caution anyone considering pet insurance to look carefully at other, more transparent and reputable companies before choosing Healthy Paws. ⸻ I
Insurer: Healthy Paws
By: Justina Isaacs
Best insurance after extensive research
I received a good explanation from one of their reps and I liked that I could apportion the extra Wellness package so we can get reimbursed partially on our dog's spaying and save some for dental or other work. There was no wait for coverage, We signed up Saturday, went into effect on Monday and our little "Gracie" had spay surgery on Tuesday. Like this insurance.
Insurer: Embrace
By: Lloyd Simon
Do Not Trust!!!
I recently went through one of the most terrifying and stressful situations and had the misfortune of having Pets Best as my insurance company. First, they took well over a month to even confirm if they would approve or deny my claim. Which, in the instance of finding out my dog had cancer I did not have the luxury of waiting. I needed to move quickly on to the next steps of seeing specialists and get a treatment plan going. I have insurance to be responsible and elevate these stressful situations, but they did nothing but add to them. I was meeting with specialist and going over plans all with the added stress of wondering if this will be approved or denied. I finally find out that I was denied bases on "pre-existing condition". How can this be a pre-existing condition if he has never had cancer, and he has never been seen for "cancer like symptoms"?! Then when you call to speak with someone about the claim they give you no information other than you can appeal. I have never dealt with an insurance company that was so inefficient and untrustworthy. My previous insurance was quick, efficient, and easy to deal with. I would have stayed with them if they did not discontinue my plan in my state. DO NOT TRUST THIS COMPANY!!!
Insurer: Pets Best
By: Sarah
This whole process for reimbursement…
This whole process for reimbursement was handled in such a great timely manner. I am impressed.
Insurer: Spot
By: Tatiana Navarro
Customer service before my cats…
Customer service before my cats procedure were helpful. Then submitting my claim and receiving reimbursement was quick and painless. So appreciated while dealing with my cats recovery and stress about expense.
Insurer: Spot
By: Monica Mackleer
We Love Healthy Paws!!
Healthy Paws client reps are always very helpful and the claims process is very easy. Turnaround time for refunds is pretty quick too. We love that our pup Tanner is covered by Healthy Paws!
Insurer: Healthy Paws
By: Madeline Van Skiver
I am with this company over 6 years…
I am with this company over 6 years now. When they were stationed in Florida claims took about 30 days. Now that they're stationed in New York claims are processed within 2 to 7 days. I love pets best I'm very happy I wasn't coerced into this review I'm very happy that they have my back
Insurer: Pets Best
By: cameo