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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Don't insure with Healthy Paws. Years later, you'll be sad.
I've been a loyal customer of Healthy Paws Pet Insurance since 2016. No more happy customer now. I can no longer recommend them. And, I'm sorry for having recommended this company through the years. My dog had a yeast infection in her ears and was denied coverage because she had an ear infection of MRSA eight years ago when I first got her. She was not covered because it happened during the wait period. I understood that. At that time (2016), I asked if she would be covered in the future if it wasn't MRSA and if it was many years later. I was told that they would cover it. Well, they lied! She recently had a yeast overgrowth in her ears after eight years that was not MRSA, but they still denied covering it as though it was a pre-existing condition. Their insurance rates are increasing exponentially. Their coverage is less available along with higher premiums, higher deductibles, and higher costs with a smaller percentage covered. I've read that this is happening to so many customers who have faithfully paid thousands in premiums like I have, but are now treated poorly after many years. It is just not right. And, what makes it worse, we are trapped because our pets now have pre-existing conditions.
Insurer: Healthy Paws
By: melinda artoday
The turnaround time for reimbursement…
The turnaround time for reimbursement was quick. There were no additional questions or need for follow-up.
Insurer: MetLife
By: Charrlee Mims
The process is clear and swift
The process is clear and swift. Very nice.
Insurer: MetLife
By: VM
They did not cover expenses I thought…
They did not cover expenses I thought they would.
Insurer: Spot
By: Sandra Ledbetter
Fetch paid for my dog's spay surgery
I'm happy that Fetch paid for my dog's spay as well as some other items. However, Fetch denied payment for the double hernia repair surgery performed at the same time, because she was born with the hernias and they said it was a pre-existing condition. That's out of anyone's control, and the surgery was medically necessary, not a choice. I feel Fetch should have paid for the surgery because the hernias were growing and visible and they had to be repaired.
Insurer: Fetch
By: Diana Poole
Fast and easy process filling Claims
Fast, easy process in filling out claim and uploading documents. Fast turnaround time receiving reimbursement. Love this pet insurance.
Insurer: MetLife
By: Michelle F
GREAT service with some room for improvement!
We’ve had our policy for 2 months and overall the service has been great! The only issue I’ve had so far, which was taken care of, is that one of my claims was processed through the automated system and deemed as a pre existing condition. Since my pup has had insurance since the day we brought her home, this was impossible. A simple call to customer service and my claim was pushed back in and approved within 24 hours and we were reimbursed successfully after only another 1-2 days! This is impeccable service in my opinion. I would recommend revamping the automated processing system to avoid this mistake in the future as some pet owners may not know to call about this issue which could result in a negative experience and loss of customer! Also, every CSA I’ve spoken to has been wonderful! Glad we switched away from Pets Best!
Insurer: MetLife
By: Athena & Zara
Still waiting for reply from you on a…
Still waiting for reply from you on a claim we sent in on 11/19/2025.
Insurer: Pets Best
By: Ray Andrasak
I couldn’t be happier with this pet…
I couldn’t be happier with this pet insurance. I’ve had several others and had to wait forever for claims to be paid, but Fego is great! We’ve had issues with our daschund for the last six months and it has saved us so much money. Very happy to recommend this to everyone I talked to!
Insurer: Figo
By: ILENE M LARUE
It's great and has all of the important…
It's great and has all of the important info I need to cover for things such as accidents and that's about it and will be doing more research of it along with other pet insurance to find the perfect fit for my dog's needs.
Insurer: Nationwide
By: Myra