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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Would not recommend
Had a very difficult time getting my claims processed and paid. My vet sent them records - they say they did not get them - Had vet send them again - they confirm they got them - then a week later when I call back again they tell me they still need more records. They never told me any of this. Would not recommend. Also was not aware that they have co-pays or co-insurance which they charge you for on every line item of your vet bill.
Insurer: Pets Best
By: M bray
Fast and easy process
"It was my dogs annual wellness exam, vaccinations, and flea/tick refill. Post appointment, I went to the app, answered a few questions, took/uploaded a picture of the bill/receipt and hit submit. It's such an easy process! And within 1 week, my money was deposited into my bank account"
Very fast claim processing
I have had Pets Best for my last several dogs with varying levels of coverage. My current pet has mild IBD that is managed by frequent feedings and a very small dose of anti-nausea medication at night (so we can sleep through the night). The company that auto-ships the medication does not send invoices, but packing slips. So, to file a claim, I must first contact them to get invoices for every shipment. As a result, I procrastinate until the last minute. My most recent clam was filed just before my policy was to renew, so I was scrambling, and submitted the entire year at one time. I expected to get some push back, but was pleasantly surprised to find the claim processed and the payment in my account within 2 days.
Healthy Paws a must for pet owners!
The first time i decided to get pet insurance was when I rescued my best friend Semper Fi. He is now almost 5 years old and unfortunately has had a bunch of health problems, including an autoimmune disease. He not only sees his Vet but also a few different specialists Vets. Thank God that we decided to get pet insurance and Healthy Paws was a great deal and offered more than a lot of other companies. Healthy Paws has been there for us over the past few years. They make it simple to file a claim. To be honest I don't know what we would of done, and hate to think about it, if we didn't have Healthy Paws on our side. Semper Fi has racked up literally thousands of dollars in Vet bills. I thank Healthy Paws for being there and taking care of Semper Fi's medical bills. We highly recommend Healthy Paws to anyone who has a pet that they love, and want to continue loving.
Insurer: Healthy Paws
By: Thomas
Please do whats right for your pet. HP is a SCAM!
I've been with Healthy Paws for 7 years! Since then I've only made 2 claims which borh were denied! I had to issue a dispute for them to reconsider which they only decide to approve one! My Premium jumped 335% starting at $36/month to $160/month!!! Similar to most of the responses here. It appears that HP goal is to increase your deductible to $1,000, putting you in that range so none of your claims will be approved. Unless your pet is on it's death bed!!! If you are considering this insurance for your Pet. Please take this review into consideration! I'm almost certain anyone posting a 5 star review are Bots! Please be warned! If you are considering HP to provide peace of mind for your pet. Please look elsewhere. At the end of the day your claims will be denied!!!
Insurer: Healthy Paws
By: Jonathan Quach
They have been great for me
They have been great for me. They take care of all the claims on time and issue reimbursement where applicable. Online experience is so smooth and easy. Highly recommend this to all the pet owners.
Insurer: Spot
By: Ravinder
Highly recommend Embrace
We have had Embrace insurance for 10 years and would highly recommend them. Insurance is reasonably priced, the online chat has been helpful at times, and the ease of claim submission has been much appreciated. Thank you Embrace.
Insurer: Embrace
By: Leigh
Terrible
Would not recommend….okay good thing I can say is the claims they do pay they pay quickly. Their rates increase significantly EVERY year, their website/system is always down or updating but nothing ever improves. Their website is terrible. My dog went fore a wellness visit, was given medicine for an issue but because of this they didn’t pay out her wellness coverage. So what am I paying for???
Insurer: Pets Best
By: J
Totally frustrating
They have canceled several claims and have not responded to the replies. They take more than a week to respond to an email, and after denying your claim, they string you along for days and then refuse to accept the re-claim.
Last minute clinic was a success
My cat got a last minute bump up from the waitlist at a neuter clinic and they microchipped him and gave him his vaccines all included in the costs. Because it was considered a single package it wasn't an itemized list which had me concerned the claim wouldn't go through on the wellness plan, but it did! And it's been such a relief!