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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Hiked fees WITHIN first year!
They tried to increase our premium by almost 30% before our first year was finished. They blamed inflation. Additionally we took our dog to the vet because it looked like he had itchy ears - the vet found nothing wrong, but because we ASKED it became an umbrella pre-existing condition and so all ear/eye issues would be denied coverage going forward.
Insurer: Trupanion Canada
By: PC
Couldn’t be easier
I recently took my puppy for one of the many puppy visits needed. Rather than being an annoyance it is such a wonderful experience. My vet, DrPalin, and staff are AMAZING. Vey let kind, efficient and trustworthy. I was not looking forward to dealing with making a claim, but Lemonade made it quick and easy. Simple to claim, received my approval same day and funds sent same day. Love the experience. Makes taking care of my puppy fun! Thank you!!!
Insurer: Lemonade
By: Tracy
Best pet insurance ever
They make having pet insurance a breeze. It’s not a hassle and so easy to get reimbursed
Insurer: Lemonade
By: Lyric
Straightforward and straight up
I've submitted two claims in the 6 months that I've had this pet insurance. They kept me updated about the status of the claims and within 30 days had accurately settled them. So far my experience has been nothing but positive.
Insurer: Pets Best
By: Amy
So far-So good
After the first year of our dog’s life I realized I’d better get pet health insurance. He suffered from weird allergies and I read that Irish Wolfhounds can be prone to strange illnesses and early death. I chose ASPCA because the premiums seemed fair. I decided on paying a little extra for the 90% back. All I can say is that this company has been there for us every time he’s had weird lumps or hurt paws or infections. You see, having a 200 lbs. dog, vet bills are much much higher. There is at least 3 times the amount of medication needed. I don’t have the maintenance kind of insurance but this company has been there for us every time he’s been sick or injured. He will be 5 years old soon and I will never be without ASPCA.
Insurer: ASPCA
By: Angela
Huck
This was the smoothest insurance claim ever! The app isn’t working right for me and the customer service I received was top notch. I was so stressed about sweet Huck (who is doing perfectly) and the ease of working with Lemonade made all the difference! Thank you!!
Insurer: Lemonade
By: Andrea
PPU Always Comes Through
We've been using PPU for several years. We have 13 pets (4 dogs and 9 cats), all have pet insurance with PPU. We have had a three major knee surgeries covered so far on our dogs/ Not once did I have an issue getting our claim covered. We have 80% coverage so the last $5500 operation in March 2024 cost us $1000 because they covered the remaining amount.
Insurer: Pets Plus Us
By: Ian
Exceeded my expectations
I recently used my pet insurance of 3 years for the first time for a large surgery my dog had. I was paid in 4 days. And 2 of those were a weekend. I don't know what I was expecting but it was easy and seamless. And very fast.
Insurer: Pets Plus Us
By: Melissa
Claim Processing takes a while, slow to respond
Claim processing always takes minimum 2 weeks and sometimes more. They are fairly slow to reply to email as well when it’s about claims. So far they’ve been reimbursing claims as expected but it’s just a very long wait. Also sometimes the agent on the phone is just wrong. I’ve asked if I could submit a claim for a past policy, and they said I couldn’t. However that wasn’t true, so long as the claim is made within 90 days of service and the past policy was active during that service date, it should be accepted.
Insurer: MetLife
By: Melissa
Excellent!
Extremely happy with the service provided by Health Paws Insurance!! They have always been very quick to process our claims. Most recently, our dog's surgery had a claim and funds processed within 48 hours. The business operations seem solid, and the team reached out to check in on my dog after surgery. Highly recommend!
Insurer: Healthy Paws
By: Lane