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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STAY AWAY FROM HEALTHY PAWS!
I have senior dogs who have been with Healthy Paws since they were puppies and we were just notified that our rates are increasing by over 400%. Healthy Paws is doing this to all senior pets now, they're trying to get rid of them. It's sadistic. They're now owned by the insurance company Chubb and Chubb ONLY cares about making money, they care nothing about our pets or the promises Healthy Paws made to us when we first opened our policies. Not only are our premiums increasing by over 400%, but they're reducing our reimbursements from 90% to 70% and raising our deductible. Please join the Facebook group called "Senior Pets Priced Out By Healthy Paws" and do a Google search for the dozens and dozens of Reddit threads that so many folks are writing about the BS that Healthy Paws/Chubb is currently trying to pull. It's absolutely horrifying. My monthly premiums are going from the $300's to the $1200's. PER MONTH. Even ChatGPT took a few tries to understand this when I was running my new premium scenarios through it- it kept thinking I meant $1200 per YEAR. This is completely criminal behavior. And don't believe all the fake positive reviews that all these new fake accounts are leaving on TrustPilot- FAKE, FAKE, FAKE. Senior pets are getting royally screwed over by Healthy Paws and Healthy Paws/Chubb COULD NOT CARE LESS. They want to get rid of us. It's so sad because they used to be such a decent company. :(
Insurer: Healthy Paws
By: Schmitt
I have 5 dogs and my poor Buddy just…
I have 5 dogs and my poor Buddy just passed away MetLife Paid policy limits of $5000 twice in the last 3 years no agreements. Highly recommend anyone with pets have insurance
Insurer: MetLife
By: Jeff Kaplan
Nationwide needs to change its practice when you upgrade policies
Nationwide provides a valuable service to pet owners. My complaint is that my dog currently has an existing policy and I wanted to upgrade the policy. I applied for the newer, more expensive policy but was advised that they needed to cancel my current policy in order to process the new (more expensive) policy. So, my pet is now uninsured for the entire month of December until my new policy kicks in on Jan. 1. That is a terrible practice and even worse customer service -- the only way I can upgrade my pet's policy is by leaving them uninsured for one month. That practice needs to change.
Insurer: Nationwide
By: Claudia Levitas
I submitted my puppies claim and the…
I submitted my puppies claim and the turn around to get reimbursed was so quick!!
Insurer: Spot
By: Heidi
So easy to submit claims
Very easy to submit claims! I was expecting a lot of back and forth, or having to push for updates, get info from my vet, etc. but it was actually so easy to do right from my phone. The claims were processed and accepted in less than a month. Very happy with the service, and now I can focus my attention all on my cat’s health.
Insurer: Spot
By: Kat
Medical documents not read thoroughly
Medical documents were submitted as requested along with an amendment on the notes. I did not recieve the full reimbursement due to a pre existing diagnoses according to adjuster . I had to resend the physician notes for clarification and now waiting for the case to be reviewed. Takes too long to recieve reimbursement.
Insurer: Embrace
By: Natasha Day
If only people health insurance worked…
If only people health insurance worked this fast! Submitting a claim was fast and easy. Very impressive! My claim was processed and I was reimbursed within days of the incident.
Insurer: Embrace
By: Tara Hinderliter
still processing my claim after 3 months and now policy is no longer active
It's been more than 3 months since my dog passed away and I made the claim. The claim status remained as "processing" and now, I can't even log onto the portal because i don't have an active policy anymore. How am i supposed to get my money? Am I getting scammed?
Insurer: Pets Plus Us
By: Katie
One of the if not THE BEST Insurance companies!
I’ve been with Sonnet Insurance for several years now, and my experience has consistently been excellent. Getting a quote was fast, fully online, and at the time it was the best rate compared to other providers. Their platform is simple and accessible, and having all my policy documents available online meant I almost never had to call in for anything. The true test of any insurer is when you have to make a claim, and Sonnet proved themselves during the August 2024 Calgary hailstorm. They arranged an inspection within two weeks and used modern technology like drone scanning to capture detailed photos, measurements, and assessments of the damage. The report they generated was thorough and transparent, and they clearly walked me through the reimbursement options. What impressed me most was the speed afterward — once I accepted the settlement option, the funds were e-transferred to me on the same day. That level of efficiency and customer service is rare in the insurance industry. Overall, I’m extremely satisfied with Sonnet Insurance and would highly recommend them for their convenience, transparency, and exceptional claims handling.
Insurer: Sonnet
By: PC
Delaney was Awesome she helped me with…
Delaney was Awesome she helped me with my issue and was very knowledgeable. Explained how to process my claims. It’s so nice to hear a pleasant person.
Insurer: Prudent Pet
By: Lynn Simmet