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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I am so grateful to have this pet…
I am so grateful to have this pet insurance, and I urge anybody with pets to get it. The app is super easy to use and submitting a claim is very simple. They also always been very responsive anytime I had a question.
Insurer: Figo
By: Starr
Follow up regarding claims is very fast.
Follow up regarding claims is very fast.
Insurer: Trupanion
By: Tony
Would never recommend
Would never recommend. They dragged my pets review process for 4 months and then gave me a list of 16 pre-existing medical conditions which were ludicrous. Never filed a claim and cancelled and they refuse to refund me for the 4 months I paid. There's better options out there. THEIR RESPONSE BELOW shows how ridiculous they are, they did not even listen to my complaint. It's not about claims, it's that they dragged her approval process for 4 months while collecting her premium and then replying with 16 pre-existing conditions that are laughable. There are 3 actual pre-existing conditions. I told them to cancel my policy and refund all my money since they dragged it out this long. There are no claims and no money paid out. STAY AWAY THERE ARE BETTER COMPANIES OUT THERE
Insurer: Embrace
By: Andreas Vavaroutsos
Faster payment and service than…
Faster payment and service than expected by far once everything set up and minimums met. With my poor furry baby needing more surgery, I am thankful for Trupanion to help ease the financial burden and stress of the situation.
Insurer: Trupanion
By: Jeffrey
Super easy enrollments
Super easy enrollment. Great coverage!
Insurer: Nationwide
By: Vicki
I 'am very pleased with Trupanion…
I 'am very pleased with Trupanion coverage. Processing claims is quick an efficient. When going to the Vet they initiate the claim directly to the Vet and I pay my portion then. All my pets claims for medication coverage is sent in by me by email and quickly deposits the return into my bank account (no waiting for the USPS) our local Emergency Vet and the University of Gainesville Small animal Center accept Trupanion. Thank you , Lynn
Insurer: Trupanion
By: Lynn
I found it easy to file claims and…
I found it easy to file claims and receive reimbursement for payments I made
Insurer: Pumpkin
By: Elida
I Do Not Recommend Healthy Paws
I insured both our dogs when they were puppies: one in 2014 and the other in 2016. The premiums began at a reasonable amount--our first dog started with a $31.96 monthly premium and that was with a $250 annual deductible and 90% reimbursement level. Our second dog started with a $39.03 monthly premium, a $100 annual deductible, and a 90% reimbursement level. I was happy to pay those amounts for the peace of mind and the fantastic coverage. We've had steady, but manageable rate increases every year. Fast forward to the last several years. For the policy period beginning in December, 2024, I had to increase both the dogs' deductibles to $500 in order to keep the monthly premiums at a somewhat manageable level. For the policy period beginning December, 2025, we were notified that our reimbursement level would be automatically reduced to 70% from the previous 90%. Apparently Healthy Paws implemented this age-based change last year. Our monthly premiums for this greatly reduced coverage are now $238.59 for our first dog and $200.28 for our second dog. Ouch. Just to put this in perspective, we have to pay out $500 for covered services for each dog before the policy begins to cover anything at all, and then that is only reimbursed at 70%. Will Healthy Paws drop our reimbursement percentage even further when future renewal anniversaries roll around? Who knows? The current monthly premium represents a whopping 646.527% increase from the original premium for our first dog and a 413.144% increase from the original premium for my second dog! During 2025, I had to appeal two denied claims that were for covered services. The denials were eventually reversed, but it was a lot of hassle to go through and a long delay for claims that should have been initially approved. I should add that I am grateful for coverage we've received for some expensive health issues through the years. For example, a splenectomy and several days in the vet hospital for one dog resulted in a bill that was over $9000. Last year, that same dog had surgery to remove some liver masses. But, I may no longer be able to afford the insurance after this year--especially considering the higher deductibles and lower reimbursement levels. Since my dogs at this stage in their lives both have what would be considered preexisting conditions by another insurer, shopping for a more affordable policy elsewhere isn't an option. We're between a rock and a hard place. To sum up: when we signed up for Healthy Paws, it offered great coverage at an affordable price. In the last few years, our rates have skyrocketed and our coverage has been reduced. I can no longer recommend Healthy Paws.
Insurer: Healthy Paws
By: Susan T.
Claims were paid quickly
Claims were paid quickly
Insurer: Figo
By: Donna
Submitting claims is easy
Submitting claims is easy, quick and can be done from your smart phone just by installing and using the app. The review process is done quickly and you have the choice of receiving reimbursements by check, direct deposit, and a few other options.
Insurer: MetLife
By: Kendra