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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Amazing pet insurance
We have had MetLife pet insurance since our dog was a pup and they have always taken great care of us. Their claim service is so easy and communication is always there if we ever have questions. Highly recommend
Insurer: MetLife
By: Jennifer
Heartbreaking rigidity and poor customer service...
For years, I've been paying nearly $200/month for my older dog. I've never filed a claim once. In July, she suddenly needed serious dental work (a lot to process financially and emotionally). I'm 9 months pregnant, working full-time, and have been juggling a lot. Yesterday, I sat down to formally file the claim. That's when I learned the window closed 2 weeks ago. I had no idea there even was a claim window---apparently this is only after a policy renews. The rep told me my renewal was 6 days after the procedure (seriously, just 6 days!). For that reason, the window kicked in and they won't even consider the claim. Had the emergency happened a week later, there'd be no issues, which is a reality I'm struggling to wrap my head around. I can't begin to describe how disappointed I am with Embrace, or how stupid I feel for giving them so much money over the past few years... The policy doesn't cover preventive care (I have to pay *another* plan for that), only emergencies; so, now that I'm finally facing one, I can't believe Embrace won't consider reviewing it given how close it was to the renewal... This is an unfathomably profitable company. I'm not sure how a business taking in *so much money* from its customers won't even offer an appeals process. There's nothing patient- or client-centered about Embrace. If you're in the unfortunate position of working with them, please do yourself a favor and (1) read through every fine line of your policy, (2) set calendar reminders for policy renewals, and (3) file all claims immediately. Embrace's policies and procedures are designed to make reimbursement as challenging as possible.
Insurer: Embrace
By: Brynne
Excellent service
We've had a few claims for our pup and they have all been covered as expected. Excellent peace of mind!
Insurer: Pets Plus Us
By: Brenda
Life saver
Two years ago today, I found out my little man had a tumor on his heart that was leaking fluid. I thought my days were numbered with him. Since then, he’s had 3 heart surgeries, a round of radiation, chemo, a tumor removed on his leg, hypertension, blood clots on his lungs, a late night seizure which resulted in a tumor on his brain, another round of radiation and chemo. He’s on countless meds and gets scans every 8 weeks. The silver lining is he’s still here! Going strong! He wouldn’t be here without pet insurance! They have not questioned one thing. I preach all the time, if you love your pets, get pet insurance. 🥰 #DougtheDog
Insurer: Healthy Paws
By: Robyn
Unbelievably Quick No-Hassle Service
I got my dog Healthy Paws Pet insurance since he was a wee pup. Didn’t think I’d be really using it since it doesn’t cover preventive visits and vet fees. But through the years, when my dog has had health problems, Healthy Paws has consistently made things a lot more bearable (financially). It’s very straightforward - as soon as you hit your $250 deductible, all expenses, save for vet fees, get reimbursed at 80%. Just like recently, I uploaded my invoice on site same day we visited vet (no forms to fill out), got email status updates, by evening it’s approved, and next morning it’s already a pending deposit in my bank. Honestly, I’ve hardly had to talk to their CS because it’s so simple, save for first time I used them, where I had to verify what would be covered before I agreed with procedure. So what I compute will be covered is exactly what gets approved. Also, I forgot about filing my claims last year, and they let me file it this year and got reimbursed. And a $250 deductible isnt really a lot because just 1 sick visit could easily be that, if not more. So highly recommend Healthy Paws. Even my husband is so amazed how quickly they process and reimburse.
Insurer: Healthy Paws
By: Maria
Highly recommended 10/10
I have 2 standard poodles. One is almost 9, the other is 12. Many issues. Always covered no questions asked.
Insurer: Pets Plus Us
By: Virginia
Get Pet Insurance!
I have enjoyed Nationwide Pet insurance for 6+ years. I had both pets covered. Samson passed away September 2021. I still have coverage on King-Bailey. I love how simple it is to get refunded for prescription. No paperwork involved. I pick up King's meds from Walmart and the claim is automatically processed and the reimbursement is sent to my bank. There is a 24/7 number to call and an emergency hospital to take your pet in case of emergencies. Nationwide covered all of Samson's burial expenses. If you love your pets, get medical insurance for them. Be ready financially for their emergencies. #Loveurpetenoughtocoverthem
Kidney Disease
ASPCA covered over 85% of 2 separate claims. Really impressed with their professionalism and generosity. No drama. Just results. Extending my coverage for sure.
Best Decision Pet Insurance
This has been a saving grace when out 4-year dog was suddenly diagnosed with colorectal lymphoma. Healthy paws made getting reimbursed for his diagnosis and then treatment easy and fast. Without this insurance we wouldn’t have been able to afford his treatment. The coverage offered is spectacular at a reasonable price.
Insurer: Healthy Paws
By: Sarah
Thankyou for caring!
when my Buddy got ill i was quoted by my vet the costs would be over $1000.00 I was shocked as Buddy has been my very first dog and started tearing up wondering how i would pay for the visit, his meds x-rays sedation and so on I was worried sick about until the secretary asked me if i had Pet Insurance. I said yes i have Trupanion insurance. She advised me that some costs are covered by my insurance company and she would get me a diff quote. I wasnt expecting a huge reduction in the bill I was actually shocked that Trupanion covered almost half of the invoice total. So now i was able to get Buddy the help he needed and it couldnt of happened without Trupanion being there for me. Thankyou for Caring!! Daryl Shand
Insurer: Trupanion
By: Daryl