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.
59,211 total
Other Categories
Poor coverage and high prices
We got Embrace for our dog as pet insurance. It was difficult to contact them for account changes and it took a long time for our claims to get processed and denied. My husband and I both tried to add me to the account several times but they never responded to our request. Every claim we requested was denied coverage because it didn’t fall into a very specific series of requirements. After we moved states, they upped the price to $300 per month (!!!) without obtaining a confirmation that we were okay paying that rate and they still denied our claims. They work very hard at reviewing records to find ways to not reimburse you. We have spent thousands of dollars for coverage with $0 reimbursed. I’m in the medical field and the logic they’ve used to deny our claims would not fly for human beings. However, they get away with it by simply not being responsive to emails and inquiries. Again, I work in the medical field and this is the worst type of insurance that I’ve had to deal with.
Insurer: Embrace
By: J
Healthy Paws Makes Claims Easy
Our four and a half year old dog seemed "off" and was going to into his crate, facing the wall multiple times a day. We discovered that he had a badly cracked pre-molar causing him pain. The surgery to remove it was expensive; about three thousand dollars, but only a couple of scanned documents and a few weeks weeks later Healthy Paws reimbursed two thirds of the cost. And our little love is back to his smiling happy self. Human health insurance companies could learn a thing or two from Healthy Paws.
Insurer: Healthy Paws
By: Jessica
Better than human medical insurance
Met Life Pet has been great for us. It is far easier than our human insurance. Just take your pet to the vet and get a copy of the bill and the SOAP notes. Take a picture in the app and click submit. It usually takes 2 to 5 days for us and we get reimbursed directly into our checking account.
Super Easy
Everything about the process from signing up to claims was/is super easy. I wish every thing in life were this easy.
Insurer: Lemonade
By: Bill
Eye surgery for Retreiver Possible
Thanks to Healthy Paws my boy was able to get eye surgery for a tumor that had developed behind his eye. It was very painful for him and needed to be removed. Healthy Paws paid the claims timely and checked on his recovery, So happy I have Healthy Paws in my pups corner couldn’t have done it without them.
Insurer: Healthy Paws
By: Michele
Excellent service!
First time having pet insurance and woud recommend MetLife over any other pet insurance out there. Couldn't be any easier filing and very quick reimbursement. Very happy we have this for unexpected visits to the vet! Simply the best!
Insurer: MetLife
By: Stephen
Amazing! Thank you ❤️
Thank you, Trupanion, for stepping in immediately and saving my kitty's life. It was an awful, heartbreaking experience and not having to worry if I can save him due to finances meant the world to me. I've been recommending Trupanion to everyone. Faithful customer here forever. Thank you. Sue (human) and Mochi 🐈
Excellent Service
I have used Nationwide Pet Ins for approx 6 years. I am so impressed with the quick turnaround time once I submit a claim to the time I receive reimbursement. I have told so many pet parents about Nationwide Pet Ins and how easy it is to submit a claim or ask a question, etc. I will stay with Nationwide.
Insurer: Nationwide
By: Bonnie
Wonderful experience with Pets Best
The vet discovered skin cancer on our dog. It required multiple visits, bloodwork and surgery. PetsBest was absolutely incredible. Submitting the claim was so easy. Pets Best provided status updates throughout the process. And PetsBest contacted the vet directly when additional information was needed. We had a wonderful experience with PetsBest and recommend them, and getting pet insurance, highly! Our dog was less than 3 years old when this occurred.
Cheaters. Stay away from healthypaws. They are misleading at best.
Big words, no coverage. Make ASS-U-ME-tions all the time to deny coverage. Try other better companies. DO NOT RECOMMEND.
Insurer: Healthy Paws
By: Sachin
Latest 1 comments
Sachin, We're never happy when we have to deny a claim for a client. All claim decisions are based on your pet’s medical records and the signs/symptoms that are noted in those records by your veterinarian. Most pet insurance companies including Healthy Paws use a pet's medical records to determine if there are any pre-existing conditions that would keep us from approving a claim. While your Healthy Paws plan covers the costs of veterinary treatment related to an accident, illness or injury where the clinical signs or symptoms were first present after the enrollment date and waiting periods, pre-existing conditions are not covered by your plan. As such, we were unable to provide coverage for your recent claims as that condition was pre-existing. Our team has provided more detailed information in their emails to you, including information on our claims appeal process.