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.

59,035 total


October 22, 2025

Great Pet Insurance

We have both of our pups on Pets Best. Affordable prices. Claims are normally processed within a few days. We've only had one month where it took three weeks for claims to be processed. The only thing that upsets me is prescription dog food isn't covered under any policy. With this being more expensive and only be able to purchase through a vet, I would think this would be a benefit that would be covered under the policy.

Insurer: Pets Best

Veterinarian: Westfield Small Animal Clinic

By: Cassandra

Useful
Verified October 22, 2025

Healthy Paws for the win

Our 6-year-old dog has been insured with Healthy Paws since she was 3 months old, and it's been the best decision for our family. As she's gotten older, she has had TWO knee surgeries and costly new therapy with a veterinary neurologist. Healthy Paws processes claims quickly through their app or website, and they pay out quickly. Like many pet insurances, they don't cover pre-existing conditions, and they don't cover routine care like vaccines and stuff, but these major surgeries and our dog's other emergencies have more than paid for the insurance premiums over her lifetime so far. I've submitted many claims and have never once had to speak to a representative; that's how good their app is. Highly recommended.

Insurer: Healthy Paws

By: Ana

October 22, 2025

Horrible insurance

I would give them 0 stars if that was an option... They put caps on all their coverage.So make sure you read what is covered and their wellness coverage is abhorrent even though they charge a premium for it

Insurer: Nationwide

By: Rhonda Noland

October 22, 2025

New medication for cats with HCM

I've been very happy with Pets Best Insurance for my cat. Filing claims is easy and I've always had very friendly and helpful customer service support via phone calls. The company does need to update their drug formulary to include the new FDA approved medication, Felycin-CA1, which is going to give pet owners more years with their kitties. The generics aren't even on the formulary. All of the rest of my cat's veterinary care has been covered as I had hoped. Pets Best is a great insurance for pets.

Insurer: Pets Best

Veterinarian: Urban Pet Hospital And Resort

By: Candace

Useful
Verified October 22, 2025

Healthy Paws reminds us why pet insurance is so valuable

Healthy Paws was responsive and supportive during my dog's recent hospitalization and surgery for a broken femur. Knowing we had their insurance coverage allowed us to proceed with all of the numerous medical care he required. There were zero surprises with what they covered and they were timely and helpful throughout the process. So happy we have them!

Insurer: Healthy Paws

By: Rachel H

October 22, 2025

200%+ rate increase, lower reimbursement rate

After being loyal customers for 9 years, the rates for my dog have gone up over 200%, and the deductible increased and reimbursement rate decreased. Extremely disappointing how healthy paws is punishing pet owners for their failure to plan for aging pets and making it unaffordable for those with elderly pets to get health insurance, because any other option will leave pre existing conditions uncovered.

Insurer: Healthy Paws

By: Adele M

October 21, 2025

Submitting a claim was easy

Submitting a claim was easy and they were very prompt in sending the money I was due.

Insurer: Embrace

By: Sheryl

October 21, 2025

always fast to submitt a claim

always fast to submitt a claim

Insurer: Embrace

By: RICHARD LODICO

Verified October 21, 2025

Rating Pumkin Insurance

Pumpkin Insurance has a fairly clear and well defined policy. They make sure that your claims are promptly taken care of. They stay in-touch with their clients in cases such as when claims are filed and/or new products are available. Pumpkin is highly recommended for your pets!

Insurer: Pumpkin

By: Mohammad

October 21, 2025

I’m very happy with this coverage for…

I’m very happy with this coverage for my two dogs

Insurer: Embrace

By: Carol Haff

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