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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Efficient and kind treatment at a time of real stress
My dog was recently and quite suddenly diagnosed with Stage 4 cancer. The diagnostic charges alone were about $1,700. My claim was processed within a week and I only had to pay $270 of the total charge. One of the Embrace staff also immediately answered my inquiry about coverage for in-home hospice care. We have been Embrace members for over 7 years and have always had a great, caring experience.
Insurer: Embrace
By: Marji
best pet insurance ever had and have used others figo is superior
have had other insurers figo is the BEST their claims process is fast and fair
Insurer: Figo
By: lanny
Good price, easy to submit claims, easy to use app, took a while to receive money from the claim- but it did work out- overall
Good price- great app- easy to use- worth the money! Claim took a while but it went thru and was accepted
Insurer: Figo
By: Laura
Good service. closing claim takes too long. Excellent customer service.
In my experience with this company, they are excellent, even though it took way too long to settle my claim. Called on the phone several times and spoke to friendly and knowledgeable people.
Insurer: Figo
By: Ron
Kitty Emergency with a Happy Ending
Our kitty Rokko is about 11 years old and never has issues. When he became suddenly ill overnight recently, we took him to the emergency doctor at opening of the clinic the following morning. He was diagnosed with pancreatitis, given a shot to stop vomiting and a course of pills to take. About 3 weeks are passed and he is much better. Within about 2 weeks, we also received a check from our insurer, Pets Best. So a happy outcome for everyone.
Insurer: Pets Best
By: Kimberly
Healthy Paws is exceptional. Excellent customer service. Simple claim submission. Empathetic staff.
I cannot say enough about how wonderful Healthy Paws Pet Insurance has been and what a wonderful experience I had. Healthy Paws empathy and professional service throughout my dog’s life with me was exceptional. I have recommended and continue to recommend Healthy Paws to so many folks. They always had excellent customer service throughout the three and a half years I had my french bulldog mix rescue. Sadly, he was recently diagnosed with cancer and passed away, but Healthy Paws made it easy during the last few months of his life, which was especially helpful during such a stressful time. I never worried about his insurance. Once your online account is set up, download the app. Using the app on your phone is so easy. After appointments or buying medication, all you need to do is take a photo of your invoice/payment and upload it. There are no forms to fill out. It couldn’t be any easier. They also offer a direct deposit option. If you prefer checks in the mail, that is very straightforward and doesn’t take forever. If you have a higher invoice, you can follow-up and they’ll flag it so you are reimbursed sooner, which is lovely. When I first got my dog, his vet discovered that he had six rotten teeth, which had to be pulled. He had to undergo anesthesia, which is very expensive. However, all the bad teeth were covered, minus the usual uncovered fees (preventative care, e.g., his teeth cleaning, and the appointment fee). A few years later, another one of his teeth broke, and the removal of this tooth, and new bad one, were both covered in the same way. Towards the end of his life, my dog was very sick and Healthy Paws covered all the testing to determine why, including a very expensive surgery, which is the only reason we determined that he had stomach cancer. All the other testing—including specific expensive blood tests and panels, several x-rays, and an endoscopy down his throats—were was unsuccessful, so having Healthy Paws is the reason I moved ahead with the approximately $5,000 surgery. With my plan, my dog was covered at 90%. This included all of his pain medication for his cancer, surgery, and any new issues/sickness he had since he was covered with Healthy Paws. I am grateful to Healthy Paws for allowing me to feel comfortable bringing my dog to the vet or for emergency care, including a call to the ASPCA hotline when he ate chocolate, as often as I felt was necessary. Had I not had Healthy Paws, I may not have gone every time, which would have been life-threatening for him, and would not have allowed me to have peace of mind. Of course, appointment fees are not covered, but that’s alright. A few times, I easily emailed/called to re-submit invoices to be reviewed again when I felt I wasn’t accurately reimbursed. In all of these cases, Healthy Paws re-reviewed claims and would happily look at additional feedback from my dog's veterinarian and healthcare providers. In all cases, I was reimbursed for more than I was initially, when the additional information/context was provided. Of note is that my dog didn't have any preexisting conditions, so that is something to consider depending on your pet's medical history. You provide that when you apply for the insurance. There is also a two-week grace period once the policy is implemented, before your pet will be reimbursed. Thus, it's important to have your pet's medical history and policy prepared in advance, for the best coverage. I will definitely get Healthy Paws again for all future pets. Healthy Paws is essential for being a successful pet owner!
Insurer: Healthy Paws
By: Lauren
Best insurance out there.
Had to file a claim for her baby teeth and reg. teeth that were coming in at the same. Figo covered it all.
Insurer: Figo
By: Joanne
Extremely compassionate, helpful with claims and very knowledgeable about dogs
The claim assistants Alex and I believe Liz were wonderful and helpful. They were very supportive, sympathetic and compassionate thru my dogs major surgery. They went above and beyond to help with everything. It was a very difficult time and having their help made it much better. My dog needed extensive veterinary and rehab services. Now we are pre approved for laser treatments. I would recommend Figo to any pet owner.
Insurer: Figo
By: Sandy
Slow at processing claim but well worth the wait.
My dog started to violently vomit and never has before throughout the entire time I've had her. I took her to the doc ASAP and she was diagnosed with acute pancreatitis. The bills were somewhere in the range of $6 - 700, which I didn't have at the time. I received my claim back from Figo a few weeks later, eternally grateful! The only downside was that it took a while to process because we had adopted my dog from a shelter. Since I had never filed a claim before and only had taken her to the vet once since we got her, I needed more documentation on her prior health history.
Insurer: Figo
By: Bryan