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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PETS BEST
Very happy with Pets Best. I just wish they’d cover holistic meds. Pharmaceutical drugs are becoming less and less popular.
Disappointing Experience
I’ve been paying over $120 a month for insurance on my two dogs, and unfortunately, my experience has been incredibly disappointing. My dog, Emmie, has had some mild itching, and when I submitted a claim, I was told it was considered a pre-existing condition due to “year-round” itching. However, I explained that this was caused by a shampoo issue with her groomer, and after changing shampoos, the problem cleared up. I called and did an appeal, and even had the vet write a letter explaining that there was no diagnosis of a skin condition and that this should not be considered a pre-existing issue. Despite all this, they still denied the claim. They did pay for her food at first but then reprocessed the claim after I asked why they weren't covering her allergy medication—and ended up denying the food too.
Love HealthyPaws
I cannot recommend Healthy Paws Insurance enough! Based on my personal experience, they are hands down the best pet insurance out there. What really stands out is how fast they process claims – often accepting them in less than 2 days! This level of efficiency is a huge relief, especially when you're dealing with the stress of pet emergencies. Their coverage is absolutely top-notch. With my 90% coverage plan, I've saved so much on vet bills, especially after multiple ER incidents with my dog. Pet care can get incredibly expensive, but Healthy Paws has made it so much more manageable. The peace of mind I get knowing that I’m covered when unexpected things happen is priceless. I highly recommend that anyone who gets a pet should get Healthy Paws Insurance right away. It’s honestly a game-changer for your furry friend's health and your wallet. If you're looking for reliable, fast, and comprehensive pet insurance, look no further – Healthy Paws is simply the best!
Insurer: Healthy Paws
By: Mehrnoosh
Awesome Company
I’ll keep it short. Enrolled my boy at five months old, he’s now almost 7. In his short life he’s had two ER visits and a lifetime of asthma, requiring not-cheap meds. Healthy Paws has completely lived up to their promises. Of the $3300 I’ve put into ER visits I’ve gotten my covered 90% back without questions, and my boy’s asthma meds, which these days cost me $175 every two months, are 90% reimbursed after my deductible, again, no questions asked. The best part - I’ve not had a single claim take more than 24 hours to be approved and I get my direct deposited reimbursement the next day. After 6 years I’m so far ahead they’ll be in effect paying my premiums for another few years before they will sniff making a profit from me. Bad for them, good for me. I can’t describe how not worrying about the cost of vet visits for illness or injury is much less stressful knowing I’ve got these guys behind me. Having an unhappy critter is bad enough. These guys take the financial stress completely away.
From Worried Dog Owner to Satisfied Customer
"I was worried when we brought our dog to the animal hospital and were told that he would need to stay overnight and have many expensive tests run. The estimates for treatment we were given were quite high. We submitted everything to PetsBest and we received reimbursement in less than a month. I am very satisfied with the process, ease of uploading documents, communication along the way, and speed of reimbursement. We were able to focus on our dog's health and not worry about the bills."
Insurer: Pets Best
By: Dana
Great claim processing and reimbursement experiences
My dog recently injured her leg and we had to take her to the vet. I didn't submit the claim right away because we were focused on helping her recover from her injury and I actually forgot about it. A couple of weeks later, I found the vet receipt and submitted my claim - within two weeks the claim was processed, and my reimbursement had already been deposited into my account. This is a consistent experience with claim processing, and Pets Best is the best pet insurance that we've had for our animals in the last 20 years.
Satisfaction
I am extremely satisfied with the ease and speed in which my claims have been processed. I have spoken highly about Pets Plus us to several people who own pets and recommend they consider your insurance. Kudos to everyone who’s been involved in helping me with my dog, Pepper.
Insurer: Pets Plus Us
By: Vicki
Embrace is a scam
In January of 2024 I got Embrace pet insurance for my dog, after he had knee surgery on his left knee. The policy stated that there would be a 6-month waiting period before any orthopedic claims could be made. They requested and received in February of 2024 my vet records clearly showing he had knee surgery. In February of 2025 my dog required surgery on his right knee, it was over the 6-month waiting period, so I submitted the invoice. After 5 weeks they said it was a preexisting condition and sent a list of other issues that would not be covered. At no point in the year since they had his medical records did they send me a note that his left leg had anything to do with his right leg. I bought the insurance for peace of mind - they should have said once they got his records what they considered a preexisting condition. I would have shopped elsewhere for insurance. This is not only poor business practice but fraudulent since they had the information about his left leg operation over a year ago.
Insurer: Embrace
By: Marsha
Pet’s Best is amazing!
Thank goodness for Pet's Best! Grizzly wasn't feeling right, I was at work so my husband took him to the ER vet and they brushed it off saying it was likely a Gl bug and did no testing. I got home from work and knew something wasn't right so l brought him right back and demanded they did further testing because I knew something was very wrong. Sure enough he had colonic torsion, a medical emergency that is life threatening and needs emergent surgical intervention. I rushed him to the only ER vet in the area with a board certified surgeon on call at 2am and by some miracle they saved him. He's alive and okay today. The vet bill was out of this world but thanks to Pet's Best I didn't have to think or worry about money because I knew they had my back. I could just focus on my Grizzly getting the prompt treatment he needed and a smooth recovery afterward which is how it should be. Thank you so much Pet's Best! The process is also incredibly easy and not daunting to submit your claims. It's just one less thing to worry about when you have other, bigger things on your plate with your pets.
Aspen
Our 8-year-old Great Dane was diagnosed with an adrenal gland tumor a year ago. Because of Pets Best she was able to get lifesaving surgery, without it we would have lost her within weeks. A year later, she was diagnosed with osteosarcoma and is now undergoing radiation and chemotherapy to help us have her here for as long as possible. The peace of mind knowing we can do the most up to date procedures and treatments without having to worry about the expense is priceless. We have six dogs and Pets Best has been amazing; they have paid every claim that we have submitted and now that we are established, our claims are paid within days of submission. I can't say enough good things about Pets Best.