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.

58,154 total


Verified February 04, 2026

Response Time

Quick response to provide me with what was covered.

Insurer: Trupanion

By: Larry Warshavsky

Verified February 04, 2026

Smooth Claims Process

The claims process is easy and I was kept informed along the way. HealthyPaws processed my request for reimbursement promptly. Their explanation of benefits was easy to understand.

Insurer: Healthy Paws

By: George Merritts

Verified February 04, 2026

Highly Recommend Healthy Paws

We have the protection of pet insurance for both of our dogs through Health Paws. The processing of claims is easy to manage and the service is excellent.

Insurer: Healthy Paws

By: Carol

February 04, 2026

Very unethical company

Very unethical company. Insured my cat as a kitten with them for 90% reimbursement and $100 deductible. She just turned 10. Almost immediately after putting in my first “big” claim for an Echocardiogram, I got an email stating that my premium would double and go to $114 a month at my renewal. After paying that high premium for a year, I got a letter saying they were reducing my coverage to 70% reimbursement and increasing my deductible to $500. So basically I paid my premium for 10 years to cover things as my pet gets older. Now after turning 10 and being diagnosed with a heart murmur when I need the coverage the most, they reduce my coverage. And now I can’t switch companies because her heart murmur will be a pre-exhausting condition.

Insurer: Healthy Paws

By: Danielle

February 04, 2026

Murphy's Heart condition

I have a goldendoodle and decided early on to get Pet Insurance through Pets Best. It was one of the best decisions we have ever made. A year later, Murphy was diagnosed with congestive heart failure and needed an operation, and on monthly medication. Pets Best Insurance has been a godsend b/c if it were not for them, our pet medical bill would be overwhelming. Pets Best has been a pleasure to work with.

Insurer: Pets Best

Veterinarian: Gwinnett Animal Hospital

By: Ed

Useful
February 04, 2026

This is a joke I’ve paid for this…

This is a joke I’ve paid for this insurance for both my dogs for two years yet when I turn in a claim one time for them they don’t pay out what they say they would and I’ve still seen nothing . Now I try to cancel and they will not even cancel plan. I think it’s nothing but a rip off

Insurer: Embrace

By: tiffany

Verified February 04, 2026

Great Coverage With Fast Service

The claims process is super fast and they pay the Vet directly. I've needed them for a serious illness previously and they really came through for us.

Insurer: Trupanion

By: Customer Jeff

Verified February 04, 2026

Quick, no hassle claim reimbursement.

tl;dr, Healthy Paws completed the claim and covered my little dog's surgery within 24 hours of filing. No hassle, just a quick and easy reimbursement. I've been a customer for about 12 years and this is the first time I've filed a claim for reimbursement. I'm very pleased with the responsiveness and the service I received.

Insurer: Healthy Paws

By: Jim M.

February 04, 2026

I have been paying insurance for 6…

I have been paying insurance for 6 years and the first time I need it ... They pay nothing. It is a joke. I submitted over $1300.00 in bills and they approved ZERO that's right nothing!

Insurer: ASPCA

By: Laurie Abikasis

Verified February 04, 2026

Healthy Paws was invaluable to me and…

Healthy Paws was invaluable to me and my pup. It was a difficult situation but his illness seems to be resolved and healthy paws was so easy to use. Reimbursement was quick and very easy. Hopefully my pup will fully recover.

Insurer: Healthy Paws

By: Betty Ayotte

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