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.

63,140 total


Verified November 26, 2025

Every thing was easy

Every thing was easy

Insurer: Pumpkin

By: Wendy

November 25, 2025

Sonnet - One Very Crooked Company

Very crooked company. They will cancel your insurance and not advise you. Be warned this is the top scam insurance company for Canada. Read the reviews for yourself. Buyer Beware - SCAM RATES AND WILL NOT GIVE PROPER COVERAGE.

Insurer: Sonnet

By: Sonnet Insurance-a-joke

November 25, 2025

I'm very disappointed with Healthy Paws…

I'm very disappointed with Healthy Paws so far. I'm trying to get a claim processed and they keep sending me erroneous emails saying I'm not covered. That is because they didn't update my files despite having sent them my pet's medical records. I'm already going through so much stress with my pet having a serious health issue and to receive all of these emails saying they can't process my claim really adds to my stress in a nonproductive way. I'm trying to see if I can get out of this policy and find another insurer.

Insurer: Healthy Paws

By: Jane O’Donnell

Verified November 25, 2025

Guinea pig coverage is inadequate!

Guinea pig coverage is inadequate! It used to be 90% coverage with a $10k cap on medical when I first started taking it out in 2001. I was able to get the ultrasounds & bloodwork & xrays & surgeries & biopsies & dental work needed to extend the life of my piggies as they succumbed to infections and cysts and other issues. With the modular plan aurorenewals it bounced around between 70-80% then this year dropped to 50% with a $3k cap on medical. This is very upsetting because it means I can’t afford the needed vet care for older piggies with life-threatening issues. I was glad it’s gone up to 80% with the 4 new policies I’m taking out now, but the $3k cap is way too low! At least change the ratio to $5k cap on medical and $1k cap on accidents. Guinea pigs don’t have accidents (rare) - they have illnesses! And on average with 70% of female piggies getting ovarian cysts (#1 medical problem) - why doesn’t Nationwide cover preventative flank spays at 6-8 months old? Instead why do we have to wait until the piggy is diagnosed at 3-4 years old and at much greater risk for surgery & recovery complications? Nationwide coverage is so meager I will happily switch if there is ever another insurance company offering exotic policies that actually reflects the high cost of vet procedures for guinea pigs. And please have your agents confirm the pet name spellings when enrolling new pets - twice now they’ve misspelled the pet name on the policy.

Insurer: Nationwide

By: Carolyn Syphrit

Verified November 25, 2025

Representative explained coverage very…

Representative explained coverage very well and was helpful in adding another pet to our policy.

Insurer: Nationwide

By: customer

Verified November 25, 2025

Quick response to claim sent in.

Quick response to claim sent in.

Insurer: MetLife

By: customer

Verified November 25, 2025

Stands behind its coverage benefits…

Stands behind its coverage benefits with transparency. Convenience of easy e-filing of claims and consistently efficient and reasonable claims processing times.

Insurer: MetLife

By: M.Berez

Verified November 25, 2025

Excellent claims process

Claims are processed quickly when the requisite backup documents are submitted. Post injury and intermittent therapy covered without any issues. Service ,when there are questions, has been excellent.

Insurer: Figo

By: Ron

Verified November 25, 2025

Grateful for Healthy Paws

We have had Healthy Paws for 11+ years. Although we didn’t need the plan for the first ten, we have been deeply grateful for it when our dog had a sudden cardiac event. In 1.5 years, Healthy Paws has covered around$25k in claims for emergency visits (overnight oxygen chambers, fluids, and medications). I can happily report that our little guy has more energy today than I’ve seen in years. The app is easy to use and has made filing claims a breeze. We have received approvals and reimbursements with no issues. I can’t imagine being in the ER and receiving the estimate of thousands of dollars without Healthy Paws. It removes the stress of finances when making difficult treatment decisions.

Insurer: Healthy Paws

By: Gerry Milligan

Verified November 25, 2025

Quick reimbursement

Quick reimbursement

Insurer: Fetch

By: Joy

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