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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Quick turnaround
Embrace has been great! The claim process is so easy and turn around time for repayment is quick, they even offer direct deposit! Customer service is great, I never have any issues with my many questions being answered.
Insurer: Embrace
By: Lauren
ASPCA and my little dog, Clay
A friend recommended ASPCA insurance after her dog was diagnosed with cancer. I finally signed up for insurance after we suspected our dogs got into rat poison. We spent over $1000 at UC Davis. After that day, I promised myself I would never be without animal insurance for as long as I had a pet. Fast forward to October of last year, we observed that my dog wasn't feeling good. Just as luck would have it, his symptoms became more pronounced after hours. We took him to the emergency vet and learned that he was diabetic. He had to stay overnight for aggressive treatments and observation. That visit cost me $1,1820. Believe it or not, I had forgotten that my dog even had insurance. A month later, I remembered that my dog has insurance and I submitted the claim 11-30-2017. ASPCA reimbursed me for the amount of $954.42. The money was in my account on 12/20/17! I cannot thank ASPCA enough! I have been recommending them to everyone that I know that has pets!
Insurer: ASPCA
By: Ashley
Highly Recommend Pets Plus Us
Our Alaskan Malamute basically tore his ACL and needed surgery. Pets Plus Us covered the cost of the surgery as well as the medications and the laser treatment to help expedite the healing. Any questions we had we called, somebody answered and were really nice, polite, caring, and EASY to deal with! Had the reimbursements directly deposited into my bank account- No fuss! Quick and easy. A pleasure to deal with. So glad I went with Pets Plus Us! Worth every dollar!!
Insurer: Pets Plus Us
By: Jennifer
Easy claims process
Claims process was simple and reimbursement was timely. The direct deposit feature is very convenient.
Insurer: ASPCA
By: Heather
Worst pet insurance I've EVER had - AVOID
We have had pet insurance for 15 years for our pets and have never experience the pathetic treatment we received from Healthy Paws, I am disgusted. Our 7yo Jack Russell somehow developed an abscess in her jaw, possibly from an injury we just don't know. As a result she underwent surgery to remove four teeth due to the abscess. Healthy Paws covered nothing. Most plans do not cover dental cleanings or prophylaxis, and I understand that, this was NOT the case. Had the dental problem came from an injury it is covered, however, I have no idea how this happened, it could very well have been an injury that caused the abscess. I finally found out of the denial almost a month after submission of claim. I would never ever recommend this company. Heading to Nationwide Pet Insurance as advised by my Vets staff.
Insurer: Healthy Paws
By: Bruce
The best
Love pets plus us, covered the tests and it was quick and easy.
Insurer: Pets Plus Us
By: Richard
Claim got paid, and it was fast
The claim process was fast and fair. My vet submitted the claim, I got an email telling me that it was under review, then an email telling me it was approved and the amount I would get. Very easy. Worth it.
Insurer: Embrace
By: Judy
Great experience
Embrace made it possible for us to get our dog the care she needed to save her life during the holiday season. We had no problems with submitting claims or getting approval. Nothing we've submitted has ever been denied and the process is incredibly quick and easy. Thanks Embrace!
Insurer: Embrace
By: Stepfanie
Healthy Paws delivers what they say they will
Healthy Paws delivers what they say they will. Their website lets clients easily compare costs for various annual deductibles and reimbursement percentages. Once the policy is active, they pay what they say they will, no hassles, no arguments. The website makes it easy to submit claims, you can even set it up to have the reimbursement checks deposited automatically into your bank account My 95-lb dog recently underwent extensive surgery for a torn cruciate ligament in her knee, and not only did Healthy Paws cover all the expenses related to her surgery and hospital stay, but they cover all her rehabilitation (physical therapy, underwater treadmill) which is making all the difference in her quick and strong recovery. When I tell our veterinary care professionals that I have Healthy Paws insurance for our dogs, they are always visibly relieved, because they know I will encourage them to do what is best for my pet, even if it is expensive, because I have the support of a great insurance company behind me. The only suggestion I have is that they re-evaluate what they consider "experimental treatments" (which are not covered under their policies). Stem Cell Therapy is becoming more mainstream, and it would be better for my pets if I could consider that type of treatment if the need arises in the future.
Insurer: Healthy Paws
By: boo
Healthy Paws made an awful experience a little easier.
This is our first experience with pet insurance. After the loss of our last dog we wanted to get insurance for our sweet Trooper. Who would have thought he’d go through this injury, but Healthy Paws made our terrible experience easier. Thank God we decided on healthy Paws!
Insurer: Healthy Paws
By: Dina