Protect your pet
Protect your peace of mind
More pet owners than ever are choosing insurance — and for good reason. When the unexpected happens, having coverage means your decisions are driven by love, not cost.
20%+
Pet insurance adoption is growing year over year
70–90%
Of eligible veterinary costs may be covered by most plans
Instant
Get quotes instantly at petinsurancereview.com
150,000+
Verified pet parent reviews
Veterinary care is better than ever — and costlier than ever.
Advances in veterinary medicine mean we can do more for your pets — from cancer treatment to orthopedic surgery. But those options carry real price tags. Insurance ensures your family never has to choose between their budget and their pet's wellbeing.
Veterinary expenses have outpaced inflation for over a decade. A single emergency visit or surgery can run $3,000–$10,000 or more.
Pet insurance adoption has surged dramatically. Savvy pet parents are protecting their companions just like they would any family member.
With insurance in place, treatment decisions are made based on what's best for your pet — not what's feasible for your wallet at that moment.
The weight it takes off your shoulders is real
Pet parents with insurance tell us they feel genuinely different walking into the clinic. There's no dread, no mental calculation — just focus on their pet. Here's what changes when you're covered:
- No more financial triage. You don't have to decide between the recommended treatment and what you can afford right now.
- Say yes to specialist referrals. Oncologists, cardiologists, neurologists — coverage means you can pursue the best care available.
- Emergency visits without panic. Midnight trips to the emergency clinic are stressful enough without worrying about a $5,000 bill.
- Chronic condition support. Long-term illnesses like diabetes or allergies need ongoing care — insurance keeps that sustainable.
- Focus on healing, not paying. After a procedure, your energy goes to your pet's recovery — not a payment plan.
How to get your insurance company to pay — before you leave.
Navigating a claim doesn't have to be stressful. Here's exactly how to ensure fast, smooth reimbursement — starting the moment you walk in.
01
Bring Your Policy Info
Always carry your insurance provider's name, policy number, and claims phone number or app. Many providers now offer digital cards.
02
Request an Itemized Invoice
Ask our front desk for a detailed, itemized invoice with diagnosis codes (ICD) and procedure codes. Most insurers require this for claims submission.
03
Call Your Insurer Directly
Several insurers — including Trupanion — offer direct payment to the clinic, meaning you only pay your deductible at checkout. Confirm this option when you call.
04
Submit Your Claim Fast
Most insurers require claims within 90–180 days of treatment. Submit via their app or portal the same day for fastest reimbursement — often within 2–5 business days.
05
Pre-Authorize When Possible
For planned procedures, contact your insurer in advance. Pre-authorization speeds up claims and confirms coverage before you commit to a treatment plan.
06
Keep All Records
Maintain a folder — physical or digital — with all invoices, claims, and correspondence. Insurers may request additional documentation for large claims.
Testimonials
I've had Healthy Paws Pet Insurance for 8 years. In those eight years, my HP has come through every time that I had a claim. I am a very skeptical person so for me to recommend someone is rare. That they are rated in the top two for pet insurance — well earned.
Find the right plan for your furry family member.
Pet Insurance Review makes it easy to compare plans from Trupanion, Embrace, Healthy Paws, ASPCA, Figo, Lemonade, and more — with real reviews from real pet parents, and instant customized quotes.
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