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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Great Insurance!
We've had 4 cats insured for many years with ASPCA and I have never regretted getting this insurance. Our cats have gone through dentals (which aren't covered by all insurance companies!), Diabetes, Pancreatitis, Hyperthyroid, Urinary Blockage, and many others through the years, and ASPCA has always come through for us. I strongly recommend this for anyone looking for quality pet insurance.
Insurer: ASPCA
By: Krystal
Poor communication and customer service
I was denied my claim due to a vet not responding. Which is completely legitimate but it took me a month of waiting on hold and having no response to emails to even figure out what they were looking for. I kept getting emails saying I didn't need to do anything and after weeks of trying to contact them I finally got a person to write back via email to say they didn't have my vet info. A couple weeks later it was denied. If I had known the vet wasn't responding I could have called them but I am just going to cancel and move on. Only now I have a pre-existing condition that won't be covered.
Insurer: Pets Best
By: J
Amazing
After a rocky start in my pups life with allergies and growth issues, pets plus us has been absolutely amazing and fast with rereimbursement. Couldn’t have financially done it with out them. Thank you
Insurer: Pets Plus Us
By: Dana
Useless
Claims process is too much of a hassle. We provided the paperwork multiple times. They rejected claim for something unrelated to what was requested. My wife spent hours on the phone with them explaining the circumstance. Find another provider, they are simply not worth the effort or consideration.
Insurer: MetLife
By: Gregory
Great coverage and prompt reimbursement!
We have been clients of Healthy Paws insurance for many years - with policies for our cats and our dogs. I initially purchased the policies as a safeguard in case of serious injury - mostly because of our young, active dogs! We really didn’t submit our first claim until our animals were more advanced in age but, even so, it has been very worthwhile. Our elderly cats had some end of life care that was supported and now our aging dogs are also benefiting from our coverage. For one of our dogs, in particular, we had to seek diagnosis and treatment from a neurologist and we have ongoing therapies that must be carried out for the rest of his life. I have been so impressed by the extent of what our policy covers and by the prompt reimbursement we have received. Our policy has allowed us to provide our pets with quality care that has led to improved quality of life for them. Customer service has also been stellar. I’m very satisfied with our experience with this company.
Insurer: Healthy Paws
By: Alison
Just don't do it
Worst insurance company ever! I wouldn't trust them to care for a stuffed toy let alone a living creature. As a vet tech of 14 years I've seen a lot, and my worst mistake ever was insuring my own pets with them. If they're not ghosting you or constantly requesting records they've recieved 4 times already (so they can extend the length of time before payment) they are hiding serious clauses in the small print that you don't get until after you sign up. They will do everything they can to find the smallest detail in wording so they don't have to pay for your pets accident and then play it off like it's no big deal. After months of fighting with them when the only one who would speak to me was our clinics representative, they had the nerve to call and request records AGAIN and specifically told the clinic I work at that they WOULD NOT talk to me about it under any circumstances. Do yourself a favor and find a different company.
Good and Not So Good
I’ve had a good experience, but not so good. One of my cats became ill, and the claim was denied because they went back to a time when she was a kitten when she was recovering from Pneumonia where she had some vomiting. They denied her claim when I took her in for vomiting only. So if your cat or kitten I ever had vomiting when it was connected to a completely different illness, they’ll deny any claim in the future for any case of vomiting at all, calling it pre-existing.
Insurer: Pumpkin
By: Cindi
Great service and timely response to claim
We submitted claim for emergency care costs we incurred for our cat. We received reimbursement to the maximum our policy stated. The cause of our claim does have limitations - the claim payment included clear information on what would be provided in respect of future claims and any limitation that would apply. I find this aspect of customer service is very appreciated as we can make informed decisions going forward. Very good customer service overall and the claims process was very easy and we received our reimbursement quickly.
Super easy claim process
I claimed for wellness visit, submitted the vet invoice and my claim was processed without any hassle.
Quick response
Claim completed in less a week
Insurer: Pets Plus Us
By: Stephen