They won't cover heartworm prevention, even though they say they will and have the product listed. Only flea and tick. Edit: They covered it in the first year, not in the second or third year. If you get a flea and tick med, they won't cover ProHeart. I have the claims to prove it. And I have messaged them several times. It's like speaking to a robot...

I’ve had many pet policies over many years and Many Pets gets an A plus… processes claims quickly and very importantly, I can generally reach a real person by phone . Good company and good people

UPDATE: I sent in the medical records for the appeal, now it's taking forever and "under review." Been on phone now over an hour between overseas and US, now being transferred to a supervisor. Very frustrated! ***** Used to be a super great company! US based agents, picked up on third ring. Very nice folks. Really it was the only insurance company I didn't have to argue with. That was then. Now it's overseas customer service, no idea what they are doing. I submitted a claim, they did not pay for blood work even though my dog was sick and should have been covered. I just requested and got transferred to US agent. She said my account terminated 2 years ago for a dog that passed away. I said no I have a current account with a new dog after that. She can't find account. Now I'm on permahold to talk to supervisor. I thought I bet Healthy Paws got bought out, sure enough Chubb bought company in July 2024. Now they are just as bad as any other insurance company. Very sad.

Highly recommend if you need a good quality pet insurance company for your fur baby.

Customer service is great. I was refunded for an accidental purchase of 2 annual membership. Here is the issue….vet service is decent BUT I had an appointment on 5/2 because my puppy is sick. I paid for the meds and the 2 options for shipping was either free shipping but meds wont come until 5/12 (which is 10 days of my dog then getting sicker and in pain from the hacking shes experiencing) or pay an additional $20 for expedited shipping so that they came on 5/6. I paid the extra $20 so my dog got meds in her ASAP. As 5/6 approaches, I hear and see nothing about the meds being shipped and it is now 5/8 and still nothing. Customer service just keeps saying they are working on it. My dog has been struggling with being sick and at this point I have requested a refund for everything and will end up just taking her to a in person vet.

Reply from Pawp

I have been trying to submit a claim for the last three months. The invoice and the notes from the veterinarian was submitted multiple times. They continue to deny it, despite all the documentation that they claim they do not have although I have evidence that I have submitted it and copies for the same.They are extremely inefficient. I plan on discontinuing this insurance as I think it is a hoax.

ABSOLUTELY SCAM OF A COMPANY! THEY TAKE YOUR MONTHLY PAYMENTS AND DENY EVERY CLAIM!! TERRIBLE CUSTOMER SERVICE, TOO!! DO NOT BUY! GO READ BETTER BUSINESS BUREAU REVIEWS!! BUYER BEWARE!! WORST COMPANY EVER! MAKE SURE YOU GET A CONFIRMATION OF CANCELATION OR THEY WILL KEEP CHARGING YOU!!

The representative hung up on me. I called to ask about insurance for my snake who HAD a respiratory infection, which has since been resolved. He told me it counts as a pre-existing condition and I would not be able to submit a claim for a respiratory infection for six months, but tried to get me to sign up anyway for "other possible reasons to go to the vet". When I explained that there were no other reasons I'd need to take my snake to the vet, and asked what the point would be in signing up now, rather than waiting six months, he hung up on me.

When my dog, Martha, got hit by a cyclist and needed emergency surgery on her back leg, Paw Protect came to our rescue. In just one call our bill was paid, within minutes of receiving it from the vet. I am so glad we have our pet insurance with Paw Protect as we would never have been able to cover this cost without it.