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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Easy and transparent choice
Easy and transparent choice and great coverage.
Insurer: Spot
By: Yuriy
It was very easy to sign up
It was very easy to sign up! So far so good!!
Insurer: Spot
By: Karen
Excellent customer service
Charlie, our 10 1/2-year-old Cavalier King Charles Spaniel has been covered by Healthy Paws since 2013. As soon as my vet sends the invoice I get an e-mail. Once the claim has a number I get an e-mail. Once the invoice is approved and paid, I get an e-mail and within two days our reimbursement is directly deposited into our bank. I chose Healthy Paws for our dogs (we also have a 3-year-old rescue named Marli) because of the research I did. I asked our office manager of our vet's office what insurance was used the most and she said, "Healthy Paws." I went online and checked them against other companies. If I have questions I can e-mail or call them and always speak to a caring and knowledgable person. Charlie is on a few heart medications now and just yesterday I got an e-mail from customer service asking me how Charlie was feeling and to please let them know, which I did. That's what I call excellent customer service! I highly recommend this company.
Insurer: Healthy Paws
By: Suzy
Insurance You Can Rely On
Finley, our English Mastiff woke us up with whimpering and heavy panting. When we tried to reassure him by petting his head, he immediately winced and jumped up, started whining and we knew there was something wrong. We called our vet and they recommended we head to Emergency. The ER examined him and decided he would need X rays for his neck, an ultrasound for his stomachache and vomiting, fluids because he was dehydrated and an overnight stay for 1-2 day . We had no idea how expensive this was going to be, but we did know this was not going to be cheap! Fortunately, we picked Healthy Paws Pet Insurance. As per our policy, they covered 90% of all his medical costs and we received full payment within 10 days. We have total piece of mind knowing Finley is protected and we will never have to worry about being able to afford the best care!! Thank you very much HEALTHY PETS INSURANCE!!!
Insurer: Healthy Paws
By: Pamela
Paid a very large portion of an emergency bill
My puppy had eaten steing, and we had to take him to an after hours vet who charged what we thought was an exorbitant amont of money, about 900$. The company paid almost all of it (minus the deductable)! We were very pleased with the coverage.
Insurer: Nationwide
By: Carryn
No other Pet Insurance Company could compete with the quality in all areas as Embrace does for the customer and their Pets!
I’ve been with Embrace more than 10 years. The coverage is the very best in every area of coverages for our pets and the reimbursements of claims are quickly disbursed back to us. The Customer Service Representative are by far the very best a company could have to represent them and their customers. I’m personally very grateful for the ease of resolve whenever I’ve had any issues. The issue is normally something I’ve neglected to send with any claims submitted.
Insurer: Embrace
By: Kathleen
Great insurance! Would not be without this insurance.
I have had insurance with Nationwide Pet Insurance for years. I have 5 Yorkies and they get into everything. Don't have to worry about the cost of health care for them. I lost my bulldog to cancer a few years ago and it was very expensive but Nationwide came through for me. I also lost my oldest Yorkie to Cushions. You came through again. My youngest Yorkie broke his leg and my 2 yr old swallowed a needle. You have always been there for my babies. Thanks Nationwide.!
Insurer: Nationwide
By: Cleo
There should be a way to verify coverage before surgery!!
My dog tore his ACL back in March. That claim went well and it was covered. Unfortunately he tore the ACL on the other leg. After searching online I found out that dogs are 40 - 60% more likely to tear the ACL on the second leg. I also read online that most insurance companies will not cover the second surgery. Soooo I called Nationwide. The person I spoke with did read the disclaimer about not being able to tell me the claim would or would not be covered. BUT she said not to worry that it would be treated as a separate incident because it is the other leg. I went on to tell her that I read online that most insurance companies will not cover if it happens to the other leg. She told me that only happens when people get insurance after the first torn ACL and then its considered a pre-existing condition. I am not happy with the way this second claim was handled. Nothing paid out on a $4100 claim. I have insured this dog since I got him 10 years ago. I was told I maxed out the benefit for the year. Why couldn't the person I spoke with on the phone to ask about the coverage tell me I maxed out my benefits? Why can't I speak with an underwriter to find out if there would be coverage? I will not recommend this company to any of the many dog owners I know. Instead I will recommend Healthy Paws or Trupanion. Thanks for being on my side Nationwide!!
Insurer: Nationwide
By: Christine
Denied Claim
Our claim was denied based on a referenced part of the policy that excluded repeated occurrences despite the fact that I disclosed our Lab's history when enrolling. There was no indication that these claims would not be covered when enrolling. Instead, we were left eating over $5K of surgical expenses. We are once again, dealing with a bad faith decision from a corporation due to a technicality buried in a legal document.
Insurer: Pets Best
By: Jeffrey
The best pet insurance
Healthy Paws has provided insurance coverage for my dogs since 2010 and they have been exceptionally supportive. My Cavalier was diagnosed with heart and lung disease when she was 10. With expert veterinary oversight she lived until she was 14. Healthy Paws covered a healthy part of the expenses from tests and medications that enabled her to live well for those additional four years. New dog, Papillon/dachsund mix, can't get into enough trouble, resulting in several trips to the emergecy animal hospital. A few weeks ago she swallowed some coins (from where???) and needed an endoscopy to remove them. The surgery would have been unthinkable without Healthy Paws. I am impressed with how generous their reimbursements are. Submitting claims is easy through their app. They communicate frequently to let you know where your claim in in the process. Turnaround time has been quick, even with the CoV19 slow down. Five thumbs up (if that's posible).
Insurer: Healthy Paws
By: Verlee