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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Fast payout on my claim!
Fast payout on my claim!
Insurer: Spot
By: Tammy Davis
Seamless Experience!
This is my first time ever having pet insurance so I wasn't sure what to expect here, but my experience was nothing short of the best! I submitted a wellness claim for my pet on 11/14 and it was processed within 2 business days on 11/18. Compensation was given on 11/24, 4 business days after the claim was completed. PetsBest was diligent when informing me about the process from start to finish. I couldn't be more pleased. Thank you for the seamless experience!
Insurer: Pets Best
By: TAMARA
Best Pet Insurance!
My pet has been insured with Healthy Paws for 11 years and I always have a great experience with them. Submitting claims is very quick and easy. They reimburse me within 2 to 3 days. They cover everything stated in my policy with no issues. I will always use Healthy Paws for my pets.
Insurer: Healthy Paws
By: Margaret Scarola
Utter Disappointment
Edited to respond to HP Reply from 12/2/2025: Thanks for the reply, inviting me to call. I tried that already. Was put on hold to see if anything could be done. The associate came back on the line stating it was policy and I missed the deadline. Case closed. I didn't even get to speak to a manager of any kind, was simply told how they ruled my case. So how would another call - to the same generic customer service number - be any different? Especially since I was so angry, I cancelled all 4 policies. If HP genuinely cared about me as a client and the pets I insured, this should have been handled by a manager/given consideration the moment it happened. Instead I will be chasing the refund of my 4 cancelled policies. Original Review: After being a client for 7 yrs with 4 pet insurance policies, Healthy Paws denied my claim submission due to being 2 days late in uploading the documents. I understand the 90 day policy but hoped being a client who always paid on time would have earned us a little grace. They offer none. Extremely disappointed that in these difficult economic times no consideration is taken whatsoever. Approving the claim would have resulted in a reimbursement of around $135. Nothing to a large insurance company but everything to a person that rescues, TNR's, feeds dumped & feral animals and pays for medical care or euthanasia out of their own pocket. Shame on me for thinking they have the best interest of my pets at heart.
Insurer: Healthy Paws
By: M Chandler
Fast response and reimbursement
Fast response and reimbursement
Insurer: Healthy Paws
By: Gabriela
Our cat needed an immediate dental…
Our cat needed an immediate dental surgery and it was hard to ignore as she was in a lot of pain. Healthy paws was great in covering the entire procedure!
Insurer: Healthy Paws
By: Prabitha
It’s quick and easy
It’s quick and easy. After going to the vet, submit your receipt and veterinarians soap notes, then wait for the review from the insurance to be reimbursed after your deductible was used for the year. That’s it!
Insurer: MetLife
By: Liz
Healthy Paws Took My Money for 6 Years and Abandoned My Cat When He Needed Care
I insured my cat Simba with Healthy Paws since he was 4 months old. When he developed IBS at age 1, everything fell apart. Healthy Paws refused to cover any of his prescription food — even though regular food triggers his symptoms and makes him sick. They also denied exam fees and lab work, claiming they were “routine,” even though every visit was for IBS flare-ups. For six years, they kept raising my premium while denying almost everything that mattered. I paid responsibly. I followed the policy. His vet documented medical necessity. And Healthy Paws still found excuses to deny care. I finally cancelled because the insurance became useless and expensive. I don’t expect anything from them now — I just want other pet owners to know how miserable this company is to deal with if your pet develops a chronic condition.
Insurer: Healthy Paws
By: Zoe Zhang
Disappointing
After being a client for 7 yrs with 4 pet insurance policies, Healthy Paws denied my claim submission due to being 2 days late in uploading the documents. I understand the 90 day policy but hoped being a client who always paid on time would have earned us a little grace. They offer none. Extremely disappointed that in these difficult economic times no consideration is taken whatsoever. Approving the claim would have resulted in a reimbursement of around $135. Nothing to a large insurance company but everything to a person that rescues, TNR's, feeds dumped & feral animals and pays for medical care or euthanasia out of their own pocket. Shame on me for thinking they have the best interest of my pets at heart.
Insurer: Healthy Paws
By: Meredith
Service was fast
Service was fast, received the refund in about a week. Very easy to complete claim
Insurer: MetLife
By: Miriam Soto