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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No worries
It's a great feeling to just say to the vet"Do whatever you need to do cause Rooney has nationwide on his side to cover expenses when they are unexpected
Insurer: Nationwide
By: Daniel
Not bad but also not good
When claims are covered and you established your first claim (sending medical records for the previous year) they're great. Process is easy and you get your money fast. The issue is when there are problems, you need to call several departments, seems like no one reads the previous notes. I had a claim put on hold because they needed my dog's med records. My vet faxed them 3 times and they said they never got it. I had to drive over, had them print it, then email it to metlife. After all that, they claimed he had a pre-existing condition when the vet clearly stated he did not know the cause of the issue. I was told by an agent to submit an appeal, I did not need a veteran's signature for this issue. I got mail a month later that I needed the signature and that I used up 1 of 2 attempts at an appeal (which was not told to me earlier). I have since moved and I am not driving back to another city just to get this signature and was furious this was relayed by mail and not telephone or email. That said, if you work with the right person via customer service, they do help push your case to the claims department and try to help. The issue is this doesn't always work and you don't always get a response and everyone is confused or late on the information. They are supposed to cover vet visit costs (office fee), but because one diagnosis was pre-existing they refused to pay when all the other reasons for my visit were covered. Also, the pre-existing issue did not need a veterinarian so that fee should not have even been paired with the visit. Furthermore, the app shows you claim # but doesn't tell you which claim it was for or what the diagnosis was so it's difficult to track down what claim you want to look at. Overall it's great and fast when it works and the claim is covered. But when there are issues or problems, good luck with getting it fixed if at all.
Insurer: MetLife
By: Titus
You have to fight for claims to be paid
I've yet to be reimbursed for 1 claim . You have to jump through hoops and fire and still not reimbursed. They have no problem taking your money though. I have 4 dogs insured
Insurer: Healthy Paws
By: HEIDI
Latest 1 comments
Heidi, We’re sorry for your frustration during the processing of your claim. As per the policy we do require medical records for all enrolled pets to process claims. All claim decisions are based on your pet’s medical records and the signs/symptoms that are noted in those records. 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. Once full records are received (typically we ask for them when you file your first few claims) we will keep them on file for future claims processing. After reviewing your account, there are missing medical records we need to process your claim. Our team has offered to contact your veterinarian to get those records. Once received we can process your claim. The Healthy Paws Tea,
a LITTLE BIT OF LOVE
Thank you so much for the coverage and a special thanks for asking us to give Wiki a little love from you!! this is GREAT MARKETING. He has been suffering quite a bit from the luxating patella and his vet tried a new pain medication which is working wonders!! Agility and appetite has increased dramatically. So I want to thank you again for being there with us and for us in all his health issues! Very truly yours, Sherry Robbins
Insurer: Trupanion Canada
By: SHERRY
Furkin has better coverage
Iâve had pet insurance with another company for another dog that we had. Furkin has higher coverage so we went with them for our new puppy. The claim was east to do, they followed up with our vet as there was missing information. From date of vet service to pay out was less than a week. Amazing service. Thank you.
Insurer: Furkin
By: Fawn
Excellent options
Furkin Pet insurance provides excellent options to cover your pets. The prices were as good as or better than any other insurance plans that we investigated (and we looked at quite a few). A pleasant surprise was that the prices after one year actually went down by a very small amount. We have insured two cats and one dog with Furkin and have had a few claims that were processed and paid as promised. There were some glitches in getting all the required information from the vets but it all worked out and the claims were settled within a reasonable timeframe.
Insurer: Furkin
By: Bob
Always fast and fair by my experience
Always fast and fair by my experience
Insurer: Trupanion
By: Dennis
THANK YOU TRUPANION!!!
Trupanion has been VERY GOOD to us. With all the expensive surgeries, ear infections, etc., we probably could not have kept our sweet Maggie with us. Trupanion paid LOT for all of Maggie's health issues. We are vert thankful our Vet gave us the first month free when Maggie was a puppy and we continued with it. THANK YOU, TRUPANION!!!!!
Insurer: Trupanion
By: Alene
walked me through the claim procedure and reimbursement drill- --answered all questions.
walked me through the claim procedure and reimbursement drill- --answered all questions. All good.
Insurer: Trupanion
By: Adele
HealthyPaws to the rescue
Our 7 year old Golden retriever, Winnie, has a nasty habit of eating socks. This became extra-serious in January when one of them got caught in her intestines and she needed emergency surgery. We had a harrowing couple of days when we didn't know if she would pull through. She had to spend 4 nights in the dog-ICU. HealthyPaws was there with us throughout. They made filing a claim easy and sent us insurance checks quickly. They even checked in to see how she was doing a couple of times. I don't think we could have afforded Winnie's surgery without the insurance benefit of HealthyPaws. Thanks to them, Winnie continues to be a loved and important member of our family!
Insurer: Healthy Paws
By: Molly