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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Claims and Cost
I was very skeptical about buying pet insurance but went for it when I rescued my dog. She was approx 1 year at the time of rescue and discovered quickly she had severe anxiety issues. She is also a very energetic dog, loves to run and play. She has required surgery on both hind legs to repair cruciate ligament tears (human version is ACL). I had purchased the injury/illness policy with a $500 deductible and 90% coverage (thankfully!!) She needs daily anxiety medications as well as monthly injections to help keep her joints healthy. Each surgery was close to $10k. Both surgery's and all her prescription medications are covered at 90% without question. I can honestly say, this was the best pet related decision I have ever made. The policy prices are reasonable and I have never had any claim questioned or denied. I don't find the general coverage policy worth the money, if you're really diligent about submitting the claims it might wash out at the end of the year but the injury/illness policy is a must have in your back pocket!
Insurer: Pets Best
By: Elizabeth
Do Not purchase this insurance.
I have (had) coverage for two dogs. I paid the monthly premiums gladly knowing I had coverage for my dogs in case of an accident. Well an accident happened to my puppy. I called Pets Plus Us ahead of time to ask if it would be covered. I get a big vet bill and the claim gets denied. Not acceptable, Everytime I call the business I end up speaking to the same person who sounds like a robot and says the exact same things. DO not buy this crap insurance. I thought if it was endorsed by Costco it should be good. It's not. I hope Costco pulls their backing of this company. I cancelled both policies but I am out a couple years of premiums and now this vet bill. Very mad. Hopefully I can prevent others from having to learn the hard way.
Insurer: Pets Plus Us
By: Scott
Very Easy and Straightforward!
Our dog, Willie, recently needed to receive a very expensive procedure involving the removal of multiple masses and subsequent pathology analysis. It would have cost thousands of dollars without his insurance. Healthy Paws reimbursed us for the expense quickly with o questions asked. This prevented us from having to make some very difficult decisions about Willie's health. I would recommend their service to anyone looking for pet insurance.
Insurer: Healthy Paws
By: Tyler
Amazing
10/10. Great customer service, easy to submit claims, timely. I couldn’t be more thankful for this in a hard time. Thank you!
Insurer: ASPCA
By: Kimberly
Lives up to its name
Pets Best, for me, has been the best insurance I've found for my dogs. Submitting claims has been quick and easy. Customer Service has been extremely helpful. I get to talk to a real human and they are so kind and patient. They take the time to find the right answers and even call back when necessary. Reimbursements take time, but they update me on the process. I never felt ignored. Having a 16 yr old in kidney failure was hard and having to say goodbye was harder, so when I needed time to put through his last claims, I was treated with kindness. I can't say enough about Pets Best. They truly are the best.
Insurer: Pets Best
By: Sharon
Heart broken and broke
I was using pets plus us and they refused to cover my last vet emergency. My dog ended up dying at that emergency. They refused to cover the bill because they felt that her vaccines were the cause and they would not cover. The manual does not say anything about this and they refused to budge. I would really never want to use this company again and would like to tell others to use another company.
Totally Professional Experience
As always, submitting claims with Trupanion is a Totally Professional Experience. Thank you. AAAAA+
Angus - happy for pets plus insurance
Hi My 2.3 yo German shepherd developed 4 lumps on areas of his body . As a precaution, our vet reconnected removal . We are so fortunate to have insurance coverage for Angus with Pets plus. They provided a pre approval immediately.. The process was seamless . Hammond Plains veterinary were fantastic and handled sending the information directly to Pets plus . We absolutely are grateful to both and Angus is recovering well after surgery:) Thank you 🙏
TRUPANION DOSEN'T PAY
I TOOK MY DOG IN TO THE ANIMAL HOSPITAL FOR AN INJURY. TRUPANION DID NOT COVER THE EMERGENCY ROOM VISIT COST TO DETERMINE WHAT WAS HURTING MY DOG INTERNALLY. THEY ALSO DID NOT COVER THE XRAY COSTS TO DETERMINE WHAT COULD BE WRONG WITH MY DOG. THEY PROTECT THEIR SELF INTEREST BY STATING THAT AN EMERGENCY ROOM VISIT, BECAUSE MY DOG WAS YELPING IN PAIN, WAS AN "EXAM FEE" WHICH "THEY DO NOT COVER". HOW ELSE DOES AN EMERGENCY ROOM DETERMINE HOW TO TREAT AN INJURY WITHOUT LOOKING AT THE DOG FIRST? I CAN CLEARLY SEE HOW THIS COMPANY OPERATES NOW AFTER MY FIRST CLAIM. MY ADVISE, LOOK FOR OTHER PET INSURANCE PROVIDERS THAT ARE LEGITE. I'M SO DISAPPOINTED WITH TRUPANION AND I WILL BE LOOKING ELSEWHERE.
Insurer: Trupanion
By: JOE