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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Overall Worth it
Overall, the pet insurance has definitely been worth the money. It gives me peace of mind when I think something may be wrong, and the wellness plan has helped me pay for vaccines and flea treatments. The only thing is the claims take a bit of time to process, but even then it usually isn't longer than a month.
Insurer: Nationwide
By: Chloe
Thankful every day for Healthy Paws!
I can't say enough positive things about Healthy Paws. I first purchased insurance when my boy Teddy was a puppy, and I'm thankful every day that I did. I carry the maximum level of insurance (90% coverage after a $200 annual deductible) on Teddy and it's worth every penny. The first year of Teddy's life we were at the vet every 2 weeks for chronic skin issues, & more than one emergency visit when he's ingested things that he shouldn't have. We have spent thousands of dollars over the last couple years on procedures, medications, and skin related medical care and the majority of that money spent has been refunded by Healthy Paws (90% to be exact!). His most recent issue was an ER Vet visit that alone cost me roughly $1,000.... I received almost $900 in refund checks for that ER visit. When a $1,000 bill essentially turns into a $100 bill, I have been able to focus on what matters most- my boy's health - and not have the added financial stress. I had no qualms about choosing to provide the needed care for him because I didn't have to choose between spending the money on appropriate care and taking a chance on his health. Looking to the future, as the owner of a giant breed dog one expects to eventually run into some sort of hip/joint problems (though I take excellent care of my boy through nutrition, supplementation, and appropriate exercise). I have peace of mind knowing that heaven forbid that does occur, cost of care won't be an issue. While my boy has had many visits to the vet and we have unfortunately had to take advantage of our coverage with Healthy Paws frequently, I would still consider this coverage worth it for any household pet- even those who seem to never have health issues. The peace of mind it brings is easily worth the cost per month (which is more than reasonable in my opinion). We use the Healthy Paws app to submit claims, which makes it super easy, fast, and convenient to do. I will be using Healthy Paws for any future pets we have. If you have a puppy, get pet insurance early, it's the smartest thing I have done. There have been no negatives to our experience, and any interaction we've ever had with any Healthy Paws staff has been pleasant, professional, and genuinely caring for my boy. I can't say enough good things - thank you Healthy Paws!
Insurer: Healthy Paws
By: Annika
Great coverage
The insurance coverage has been great. It usually pays at least half of the charges, including dental work, which many other insurance plans do not cover. They communicate where they are in the processing of your claim also.
Insurer: Nationwide
By: Christine
Infected anal glands.
After several weeks of vet visits and different antibiotic treatments, Cooper’s infection seems to have cleared. Need to give it another week and possible recheck visit with the vet and he should be fine. Thanks to your help with the bills it was easier for me to deal with the ordeal. I think you are just great!
Insurer: Nationwide
By: Arlene
Easy Peasy!
I took my dog to the vet for a health problem. The day after the vet office submitted the claim, i received notification from Trupanion that they cut a check and it was in the mail to me. Streamlined and easy, what more can you ask for?
Insurer: Trupanion
By: Nicole
This is the greatest pet insurance company!
Trupanion is an excellent pet insurance company. There are no caps on illnesses and they pay you back very quickly on claims. No hassle. Highly recommend.
Insurer: Trupanion
By: Leslie
Claim process is long and difficult
Recently the claim process is extremely long and have had a hard time getting claims approved- often need resubmitted for wrong coding or contact vet for more info despite info already sent. It seems like underwriters are looking really hard for any reason not to pay claims. Have been a customer for 8 years and this is the first year I have felt this from the company.
Insurer: Nationwide
By: Amy
Very easy to submit claim forms and prompt in responding to clam.
I'm very pleased with the timely manner that Nationwide tends to the claims.
Insurer: Nationwide
By: Carmen
Getting Pet Insurance was the smartest move I have made in a long time.
I have had several dogs over the years and the last 2 had many health issues. Fortunately I was able to afford their treatment but it was very expensive. I felt good that I could take care of them but I didn't want to deal with that again. The Scottish Terrier I have now is covered with Pet Insurance and because I have had to make a few claims, I realize what a good decision I made going with Nationwide. They are extremely responsive and it is easy to file the claim and track it with the online application. I am very happy and would recommend to anyone for their insurance needs.
Insurer: Nationwide
By: Ann