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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The site was very user friendly
The site was very user friendly, even uploading invoices. Would be better if you could just select all, but one at a time worked too. The claim was processed fast enough with no hassles and easy to read and understand everything.
Insurer: Spot
By: Billy Atkins
A company that CARES!
Approximately 7 months ago our Golden Doodle's health was seriously declining. He had two transfusions in about a month. The resulting diagnosis I.M.H.A. which is an auto immune disease in dogs, is severe, and life threatening. In the next 5 months (post diagnosis) we accrued a considerable debt. We sent all records and billing statements to Healthy Paws for review with their claims adjusters. They say it takes ten days to go through the claims adjustment. We have never been any longer than 4 days which often included a weekend. Our pet has also had two unrelated surgeries during this timeframe, all covered. We currently near the $10,000 dollar mark in claims paid. It actually might be more now. While we are eternally grateful to our Veterinarian for the (at least) life extending diagnosis, we are also eternally grateful that Healthy Paws stood by us during this trial with our pet. We receive regular emails from them asking about our pet's health, acknowledging how difficult it is to go through, and assuring us they are there if needed. Healthy Paws is not just a large pet insurance company. They are a company with people that CARE! A five-star rating doesn't do enough to express our gratitude.
Insurer: Healthy Paws
By: Greg L.
Very easy process to file a claim
Very easy process to file a claim. All within One week submitted and paid!! Thank you!!!
Insurer: Spot
By: Linda Wolonsky
Never Pays
Brought my puppy in for a little temporary leg soreness making her limp. I knew it was going to cost $100+ but the one thing I could rely on was a sick visit being covered. Long story short, they declined to cover and said their 6 month orthopedic issues clause prohibits those kind of claims in the first 6 months. I knew of this clause and would have waited another month if I remotely thought they would actually stick me with this clause. Well they did. No diagnosis of anything orthopedic but I got a $160 bottle of anti inflammatories for her in the end. Between my vet and these guys, I am better off hoping whatever ails our pets just goes away. What a racket. Response: i have a puppy who was covered for five months already. No one knows about small print exclusions, you don’t advertise those. No fraud and again, I would have waited a few weeks. The law is the law and I live in a crap state. I get that. I am afraid to go to the vet now so pets will suffer unless it’s really urgent. You went from asking for notes saying she wasn’t having orthopedic issues to making me prove she doesn’t have dysplasia. I think adjusters can see based on pet age and that timeline there is no fraud here. Empower your adjusters to make decisions. We are paying for this.
Insurer: Embrace
By: Mark Prorock
Great pet insurance company!…
This company made the claim process super simple, quick, and was extremely responsive to any questions. I have 6 pets insured with them and can’t recommend this company enough!
Insurer: Spot
By: Carly Sinclair
Claims Review
I gave 5 stars since the two previous claims that was file "Emergency Services due the the traumatic injuries, the hospital and surgery claims were processed fast than I had expected. The current claim is for services performed to check the surgery that was initially performed and everything went well.
Insurer: Embrace
By: James Parker
The insurance was extremely fast at…
The insurance was extremely fast at reviewing and refunding my claim.
Insurer: Spot
By: Terri Hardin
Very prompt reimbursing for Maisie’s…
Very prompt reimbursing for Maisie’s dental extractions.
Insurer: Spot
By: Dee Terry
Reliable and easy
Super easy to file a claim—it takes under a minute. And so far (4.5 years) they have always reimbursed me for everything I expected them to!
Insurer: Pets Best
By: Caitlin M.
I’ve had nothing but a good experience…
I’ve had nothing but a good experience with Pets Best. My dog recently went into Bloat and needed immediate hospitalization and surgery. The estimate was $9-14k and I was able to make the decision instantly knowing they had my (and his) back. The claim paid out as expected and my boy is home with us. I absolutely recommend to everyone.
Insurer: Pets Best
By: Craig Blum