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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I call this insurance provider "The Gambler"
I'm pretty disappointed in the Fetch business model. I got Pet Insurance for financial security and peace of mind. It has turned out to be very frustrating, as there is A LOT of uncertainty surrounding the coverage and every trip to the vet is a gamble. It will be extremely stressful if I ever have to make a quick decision about whether or not to go through with a procedure that may, or may not save my dog's life, but will ultimately end up resulting in a lot of debt if it turns out not to be covered after waiting for 15 days to get the invoice and HX notes assessed by a Fetch representative. Even a 1-3 day wait time to get a pre-approved authorization by the Fetch team is not going to help very much if my dog needs immediate care. I would like to see an easily accessible, more user-friendly, less convoluted and continuously updated list of what will not be covered by one's Fetch insurance plan.
Insurer: Fetch
By: Kimberly
Trupanion is awesome A+
As the title says, I am very happy with Trupanion. I signed up for their 90% plan. They had their share paid before I left the Vets office. My trip to the Vet yesterday was roughly $672.00 and my out of pocket of that bill was $55.00. That put a smile on my face. They have been this way with every Vet visit. They follow up with e-mails and links to your claim. Trupanion is very efficient. I think I chose well for my first try with pet insurance, They are a keeper. And finally remember folks, get insurance on your puppy early, like at 2 months old. I waited until my boy was 3 months old, in that one month he got an ear infection in his left ear. So now he has that one preexisting ailment, so they don't have to pay for ear infections for the rest of my dog's life.
Insurer: Trupanion
By: Douglas
Best insurance hands down
Have had them for 2 dogs and about to switch my other dog to them. My late dog had a brain tumor and they were awesome. When i terminated my insurance after my dog passed away they sent me a reimbursement check dor the cremation even though I had not filed a claim for that. My current dog has had valley fever and two ACL tears and they covered both surgeries and the valley fever tests and meds. When i submit a claim i get an answer within 2 days usually.
Insurer: Healthy Paws
By: John
Owner
Excellent service, prompt turn around on claims
Insurer: Healthy Paws
By: Tom
it is not possible to do anything on the site and the service is slow
The insurance website is very basic. Everything you have to call and it will be long. Every claim you make, they will take more than a month to respond. Honestly, look for another insurance.
Insurer: Pets Plus Us
By: Juliana
Great Health Insurance for my dog
Always great customer service with any questions and love the ease of claims processing!
Insurer: Healthy Paws
By: Diana
Trupanion is the best pet insurance
Trupanion has given us the ability to get excellent medical care for our dogs-from lymphoma to IBD, our dogs were able to have all of the treatment available. Claims were so easy to submit-just scan and text or email them. Claims were paid in less than a week-and, they were paid out exactly as documented in our policies-no surprise deductions or exemptions as we have had in the past with other pets-and a different insurance company.
Insurer: Trupanion
By: Leslie
Thankful for Healthy Paws Pet Insurance
I can't say enough about Healthy Paws Pet Insurance. I bought the policy when I rescued my dog at 11 months and he is now 10 1/2. I have submitted many claims throughout the years without questions asked other than occasional veterinary notes for review to substantiate my claims that have been very high. It provides me the comfort to know I can take the best care of my boy, Petey. He has torn 2 ACL's in the last couple years which has cost me ~12,000 dollars and most recently he has been diagnosed with chronic pancreatitis and was referred to a specialist for evaluation that cost ~3,500 and now be undergoing Hyperbaric oxygen treatment that is about ~1,500. Healthy Paws has stood by their policy every step of the way. Over the years I have definitely received more money back in reimbursement than I have paid in premiums. I wish medical insurance was this good for humans!
Insurer: Healthy Paws
By: Lauren
Trupanion
Once again, Trupanion hasn't disappointed me. I called Trupanion hoping, but not expecting, to get help paying for my cats dental work. Boomer had gingivitis and his gums were red and inflamed and he needed help. Trupanion stepped in and helped in a big way! Thank you so much, Trupanion!
Insurer: Trupanion
By: Nancy
Best Pet Insurance
Before I was able to bring my puppy home, the breeder would not release him until I showed proof of pet insurance. So I had no choice but to purchase pet insurance. I was going to cancel because everyone was telling me to. Thank god I didn’t! My puppy got very sick and was admitted to the hospital! Healthy Paws acted on my claims immediately! I was reimbursed within a few days! They are hands down the best! I tell people to give up a manicure or for the guys, order a few less beers and get pet insurance!
Insurer: Healthy Paws
By: Lee