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.

58,987 total


Verified November 14, 2025

Better than human insurance

If humans received the same Level of insurance, care and professional guidance that Healthy Paws offers, we would be a much healthier nation. We never hesitate to get medical help for our dog knowing we have this amazing coverage

Insurer: Healthy Paws

By: Susan B.

Verified November 14, 2025

The insurance plan is awsome but...

The insurance plan is awsome. I have 100% reimbursement for my older pets, but the new kitten I got a new plan for I could only get 90% reimbursement, so I'm disappointed in that, but the plans are so good its still the best around. The only issues I have are constant confusion with the documents I send in. I'll see a claim on hold for missing documents, and I call in and no one can figure out what I'm missing, they say its all there and dont know why it was put on hold. It gets resolved but if I dont keep checking on my claims they'll never go through. Its happened 3 or 4 times now. Every one I've had to talk to have been very helpful, though you can tell they have a script to read at times which just sounds stupid, but again not a huge deal. When there talking about the actual issues its fine.

Insurer: MetLife

By: Janine

Verified November 14, 2025

Insurance Review

Everyone is always so nice and easy to deal with. They process claims in a timely manner. I have recommend Pumpkin to many for pet insurance.

Insurer: Pumpkin

By: Vicki

Verified November 14, 2025

Happy customer

Easy claim submission and they take good care of you and your pet.

Insurer: MetLife

By: RM

Verified November 13, 2025

Great service

They review my claims in a timely manner. When I have questions about a claim army policy and call them the reps are not only helpful but also polite whi h goes along way

Insurer: MetLife

By: J.keelan

Verified November 13, 2025

Simple coverage for the most important stuff

Healthy Paws is a nice, simple, no-frills insurance provider, which is what we prefer. We'd rather pay a lower premium for unexpected issues than get all the bells and whistles covered. Healthy Paws pays out claims really fast--often within days. Submitting claims is easy. The coverage is fair and reasonable. So far, none of our claims have been unfairly declined. Goober is doing much better after the surgical removal of a foxtail from a lymph node in his neck. We are grateful that the exorbitant cost of pet care was one less thing we had to worry about, thanks to Healthy Paws.

Insurer: Healthy Paws

By: Lucy Dotson

Verified November 13, 2025

It seems every time I submit invoices…

It seems every time I submit invoices from the vet with both of my dogs on one invoice, there is always some sort of issue. One dog will get paid out, then there's an issue with the other one's payout, or the payouts will both lag. I end up calling the CSR's multiple times to tell the same stories a million times. The CSR's are very friendly and try to be as helpful as possible, but I also get different stories as to what's going on with my claims. I could go on and on about issues I have had with almost every claim I have submitted since I I started with MetLife, but I am not. Going forward to make life easier for myself and the adjusters, I will submit one claim per dog, even if they are receiving the same exact treatments.

Insurer: MetLife

By: D.D.

Verified November 13, 2025

Claims process was quick and easy.

Claims process was quick and easy.

Insurer: Spot

By: Ted Sparks

Verified November 13, 2025

Good customer service and claims payment

Healthy Paws has paid two claims over the years and since I own four dogs, there are occasionally expensive procedures. Customer service is very good and claims are paid promptly. I recommend them to any pet parent.

Insurer: Healthy Paws

By: Richard Maguire

Verified November 13, 2025

Solid pet insurance

Transparent coverage, reasonable pricing, easy to use portal, real people answer the phone, prompt reimbursement. I've had pet insurance for years and have never had to use it until now. Grateful we have Spot. Get your pet insured before issues come up and keep them insured!

Insurer: Spot

By: Kristofer F

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