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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Wonderful service
Our sweet little dog suffered a ligament tear in his left hind leg. He required surgery to repair it. Pets plus us insurance reimbursed us in 9 days. I’m so grateful for their support.
Insurer: Pets Plus Us
By: Fay
Affordable and easy
Buying insurance with Pets Best was easy and fast. The rates are affordable and they offer a few different options for plans. Filing a claim was easy and done online within minutes. My claim was approved and went towards my chosen deductible which is what I expected would happen. It did take almost 2 months to process my claim as they were very busy but I was kept up to date during the wait. So far I am very happy with this insurance and have recommended it to others.
Easy and Fast
Uploading claims is quick and easy, just snap a photo of the invoice and click submit claim. My claims are usually reimbursed within a week. Best choice I made for all three of my furkids.
Insurer: Nationwide
By: Marion
Good insurance
My dog developed Addison’s disease three years after getting him at 8 weeks. Pet’s Best has covered his prednisone and glucocorticoid monthly shots and it has been a very helpful role on their policy . My only complaint is that before I got the Pet’s Bed policy my pet got a right ear infection . This was not covered . However , since getting the policy my pet has had a left ear infection and they will not cover the left ear infection even though it came after the policy was obtained and in effect . Otherwise they have been very good .
Beware of MetLife!
I adopted my cat 11/28/23 from a shelter. I signed up for pet insurance for her at the shelter. The shelter provided all information and there was a clean bill of health and no pre-existing condition which was provided to MetLife Pet Insurance. The cat developed gas and diarrhea a little while after adoption. Pet insurance clearly states that is active immediately there is no waiting period. I hit my deductible I submitted my claims and sure enough they denied me. They claim she has a pre-existing condition because it started shortly after adoption. That is not a pre-existing condition it's a condition that arose after I adopted her and now they are claiming I have to go through an appeal process which can take upwards of 45 days. People get insurance for a reason for emergencies when they need it so they are covered. Clearly they are a company who does not stand by their word that claims your pet is insured from the moment you get the plan unless it's a pre-existing condition which there is absolutely no documentation of such prior to signing up for the plan. What happens if you can't afford the test your pet dies you have to get a lawyer and pursue this legally? I noticed they don't have a spot to put reviews on their website only the shining ones that they post. I can see why that is. I would strongly suggest looking into another pet insurance company do not waste your time and your money for them to look for loopholes and not back up their plan.
Insurer: MetLife
By: Kristen
So Glad I Got Pet Insurance
Healthy Paws insurance was a lifesaver when my pup ruptured her CCL Christmas Eve and needed surgery a week later. There was a bit of a hiccup getting the various computer systems at HP to accept and combine health records, which resulted in delay in processing the bill for the emergency room visit. However, once this was cleared up, the bill for the actual surgery was processed and money auto deposited within 48hours of submitting the claim. One other thing (clearly spelled out in the policy, but good to remember) is that this plan covers “treatment” (X-rays, surgery, medicine) but not fees for office visits or consultations. Explanation of benefits was very clear and customer service employees were very helpful. I took the dog to Spry Companions in Centennial CO, where both doctors have over 10 years experience with CCL surgery and it was a great experience.
Great help for procedure prior to med use
This claim was for a procedure done prior other medical procedures our vet had recommended. The vet's office wanted to make sure our cat's heart could manage the effects of anesthetic used during the procedures. We appreciate the thoroughness of the review of the claims department personnel.
Amazing!
I just can not give this company enough praise. I want to say that I have never had any sort of medical instance for as quickly and stress free, dog or human. In a very quick turn of events we went from seeing a vet for a consult to our dog having surgery. It was such an easy process and the staff at the hospital told us the Trupanion was the best. “They are super quick with pre-approvals and usually settle within a day.” You never know when you purchase insurance, will it really be what they are selling? But we had gotten the 90/10 ratio coverage for our French Bulldog. And yes, they paid 90% of the bill. With our deductable and our co-pay we paid about 1,000$ on a 6400$ bill. I can’t tell you how important it is to get pet insurance. I can’t imagine having to sit in that room, hear what your pet needs and wonder if you have enough money in your savings for it. Or if you have a credit card with enough to cover it. Something that could have been stressful was just not a worry. I kept saying, “no problem, we have good insurance” and they truly proved it. I will always have pet insurance and it will always be with Trupanion!
Brownie's Journey: Why Healthy Paws Became My Rock
Brownie's been my best friend for almost nine years. We've shared countless tail wags, muddy paw prints, and a whole lot of love. I always knew I needed the best insurance to protect her health, so I picked Healthy Paws – and let me tell you, it's been the smartest decision ever. For eight years, things were easy. Brownie was as healthy as a pup can be, just needing routine checkups and shots. Healthy Paws was there in the background, like a silent superhero ready to leap if trouble ever showed up. But nine months ago, everything changed. Brownie got hit with bone cancer. My heart broke, but I knew we had to fight. That's when Healthy Paws became more than just an insurance company – they became our partners in this battle. Filing the first claim was a breeze. No endless paperwork, no hoops to jump through, just quick and understanding support. Every single claim – all $30,000+ for radiation, chemo, surgery, even her heartbreaking amputation – was approved and in my bank account within 10 days! It was like a financial superhero delivering a truckload of cash, letting me focus on what mattered most – getting Brownie better. But it wasn't just about the money. The Healthy Paws team was amazing. They called to check on Brownie, offered words of encouragement, and treated her like their own furry family. Their compassion was a lifesaver during those dark days. Recently, Brownie's had another setback – congestive heart failure, likely from the chemo. And guess what? Healthy Paws is right there again, ready to fight alongside us. My experience with Healthy Paws has been incredible. They've gone above and beyond, making them way better than any other insurance company I've ever dealt with, for pets or people. They're not just a policy, they're a promise of support, a safety net when the world throws you a curveball. If you have a furry friend you adore, don't think twice. Get Healthy Paws Pet Insurance. It's not just insurance, it's peace of mind. It's knowing that no matter what life throws your pup's way, they won't face it alone. Thank you, Healthy Paws, for being Brownie's miracle. You gave me the strength to fight, the hope to keep believing, and the unwavering support to never give up. You're not just an insurance company, you're heroes with furry-friend hearts. A forever Healthy Paws customer and Brownie's biggest cheerleader.
Insurer: Healthy Paws
By: Rohit
Perfectly Easy
I submitted a claim for the first time through the app system, it was super easy and fast. the staff was in contact with me right away and they processed the claim at record speed. i am super pleased and now plan to up my coverage. highly recommend.