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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Claims
Pets Best does a great job keeping me updated on the process of my claim. If it's taking a little bit longer than normal, they e-mail me and inform me of the reason. However, most of the time my claims are processed within a week. Great job the folks at Pets Best are doing
Everything is pre-existing to this company!
I’d used Petplan prior to Fetch buy-out/merger. My golden doodle needed a couple of teeth removed. Claim was paid. I continued getting my dog’s teeth cleaned but her teeth are just a problem. At one point years ago, the vet mentioned that she had signs of gingivitis. BECAUSE of that, she is now and forever considered to have pre-existing dental disease (even though in 2021 prior to that), she underwent dental surgery that was reimbursed by Petplan.. It’s as though they combed through every vet note they could find to make sure she can never be covered for dental surgery again. Their monthly coverage continues to increase without alerting the customer. This is so frustrating. Please don’t mention one word about a tremor or twitch. If they goes into the vet’s notes, your pet will forever have pre-existing everything.
Insurer: Fetch
By: Camille
Horrible, I don't recommend it to anyone.
I purchased this insurance in May 2025, paid for two full months, and when I finally needed it, it was absolutely useless. I spent $200 on routine veterinary exams that the policy clearly states are covered — but of course, they weren’t. Instead, I was asked to provide my pet’s entire medical history from over a year ago. I came from Brazil, where it’s not common for vets to keep such detailed records — we simply don’t have them. So, in the end, I paid PetBest (which is far from “best”) for two months of premiums and then had to pay another $200 out of pocket. Horrible, horrible service. I would never recommend this insurance to anyone. Insurance is supposed to help in times of need — not create more problems and bureaucracy. Now I’m trying to cancel a policy that never helped me and is still charging me through automatic debit — and guess what? There is NO option to cancel it on the website. Absolutely ridiculous.
Insurer: Pets Best
By: Patricia
Save your money
Pet's Best never reimburses me, though my claims are filed properly for covered conditions. I do not recommend Pet's Best insurance.
Insurer: Pets Best
By: Virginia
I Love Healthy Paws
My dog broke a tooth as a puppy and needed to get it removed. She did a cleaning and xrays before the surgery. A lot of my bill was covered minus the cleaning itself. I was very pleased to have this experience. Having healthy paws really helps with my puppy's emergencies
Insurer: Healthy Paws
By: Natalie
Easy Peasy Pet Insurance Claim
I signed up for insurance with Pets Best earlier this year and 4 months afterwards my dog, Amy had to go to the emergency vet with an overnight stay. I was so happy to have pet insurance for this unexpected expense. It was easy to submit the claim, and Pets Best kept me informed on the progress from the start of the claim to the reimbursement. It was easy peasy! I am happy to have peace of mind in case of any unexpected visits to the vet for my precious pet.
Peace of Mind
This is the third time our dog Jasper has had a major health issue that required surgery. Jasper suffered a traumatic eye injury when she went to sniff peanut butter from a live rat trap. The trap sprung and hit her in her left eye. She sustained major damage to her eye and required surgery to save it. Eye surgery is very expensive but since we had Healthy Paws insurance, the decision was easy. I am happy to say that Jasper's eye was saved and she does have some vision back in her eye. We can't thank Healthy Paws enough for their outstanding insurance and absolute ease in submitting claims.
Insurer: Healthy Paws
By: Colette
MsS
Excellent piece if mind for pet emergencies and claims promptly processed
Healthy Paws is the reason I can make medical decisions based on my love for my dog—not my bank account
Kali has had multiple health issues, including cancer, and Healthy Paws has come through every single time. Submitting a claim is ridiculously easy—just snap a pic of the vet invoice and SOAP notes in the app, and you're done. I’ve always received reimbursement quickly (sometimes even the next day!), and they even reached out after Kali’s surgery to check on her. Who does that? Yes, the premiums go up each year, but after researching nearly every pet insurance company out there, I’ve found their rates to be very competitive. What makes them stand out even more is how user-friendly their app and website are. I can change my reimbursement rate (I chose 80%), adjust my deductible, or switch between mailed checks and direct deposit—all with just a few clicks. Healthy Paws doesn’t cover basic visits or routine dental cleanings, but they cover what actually matters: medications, diagnostic tests, emergencies, surgeries—even dental emergencies. This month alone, I was reimbursed for 80% of a $5,000 procedure. I can’t express how thankful I am. If you're on the fence about pet insurance, let me save you the trouble: choose Healthy Paws. You won’t regret it.
No reimbursement despite coverage stating there should be
I don’t understand why my claim has been declined. I provided you with everything you needed from the vet for the bundle, physical therapy sessions, including medical notes and itemized receipt receipts for each visit. All the other services I have filed claims for have been approved, but these three claims have been declined. I don’t understand.