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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Wonderful to work with
I never hope to need my pet insurance but our 3 month old has had a couple of small medical issues. Glad we chose Trupanion. From the first call to set up the policy to reviewing and making claim payments, it has been a very positive experience. We did lots of research before settling on Trupanion and I’m confident we chose the right one.
Insurer: Trupanion
By: Paula
Look no further.
I called to get the best prices and tailor to my needs. Customer service rep was awesome, she not only went over EVERYTHING, but also gave me advice she didn't need to. I had Embrace, and they were making me wait a year for pr-exsisting conditions for a year starting Dec of 2021 and would run out Dec 2022. The conditions were worms that were resolved and cleared. When my kittens came home I was feeding too much as once, so they regurgitated. I called the vet for advice and she told us to feed them more frequently with smaller portions and it would resolve , which they did.. Embrace's policy was if something happened before Dec 2022, the clock would restart again from that date for another year. I was paying about $45 a month, no wellness included. Fast forward to MetLife Pet, I saw people on my various pet sites on Facebook mention MetLife Pet and make sure to CALL them, not to sign up. I told MetLife pet about the preexisting conditions and they said it was fine. Accident started from day 1 and illness started 14 days later. That was after the soap notes were read. I have a policy that is 250 annual deductible, 100 percent coverage. It covers wellness as well, and a host of other goodies. I pay about 61 dollars monthly. My cats prescription fleat/tick meds and heart-worm meds run me about 170 every 3 months, the yearly exam between fecal samples, vaccines and exams cost me about 450 dollars. I actually break even on the insurance, and if anything would happen to my cats, I have piece of mind I have coverage. I have called them several times regarding various questions, I am ocd, and like no surprises. They are always very nice, take their time answering. One of the best customer service I have ever encountered. I do have to pay out of pocket for reimbursement, but Their turn around time is super fast. I just ordered pills for my cats last week, they were shipped but were not here until tonight. I submitted as soon as I purchased and I just got an email tonight saying my claim has been approved and will be in my account later this week. I can't say enough about this company, I am super, super excited to have found them, and drive people crazy that have pets telling them to sign up for the insurance. My advice is to have a credit card with a good limit used just for the cats if possible. I have it put into my checking and then I disperse it to the credit cards.
Insurer: MetLife
By: Gloria
Coco
Exceptional service and coverage
Insurer: Trupanion Canada
By: Vanessa
Sophieâs mom
Easy to submit claims on mobile app. Quick confirmations and correspondence. Fast payment.
Insurer: Trupanion
By: Denise
I thought it was very easy to file a claim and the reimbursement was quick.
I thought it was very easy to file a claim and the reimbursement was quick. I do, however, take issue that the exams were not covered because they were a daily assessment as to how Rudy was doing with his recovery from severe intestinal bleeding. They were not a "normal" wellness examination.
Insurer: Trupanion
By: Brenda
Great full for Trupanion coverage.
Iâm always happy with the results from Trupanion!
Insurer: Trupanion
By: Ruth
Love Trupanion
Very easy to put claim in and got a decision very quickly.
Insurer: Trupanion
By: Katherine
Very nice representative who provided clear information regarding coverage.
Very nice representative who provided clear information regarding coverage.
Insurer: Trupanion
By: Ann
I'd recommend Healthy Paws to anyone
I have a Healthy Paws policy that reimburses 90% of covered expenses after a $500 deductible. My dog ingested something that caused a blockage in his intestines and nearly killed him. It required the services of an internal medicine specialist who performed surgery and was able to remove the blockage. He had multiple complications and was hospitalized for nearly a week. Ultimately, the charges were over $22k. Healthy Paws reimbursed me for 90% of the covered expenses, just like it was supposed to work. If I didn't have Healthy Paws, I would not have been able to afford the care I needed. The company was very responsive throughout the process and the reimbursement is in my bank account before my credit card bill is due.
Insurer: Healthy Paws
By: Kevin
Chocolate bad; Healthy Paws good :)
My too smart for his own good dog opened a mason jar and ate a bunch of chocolate. At the emergency clinic you could tell the vet wanted to keep him overnight but was worried the expense would be too much. I said I have pet insurance and her whole body relaxed. My doggo got the best care, has no liver damage and is back to his old self. I received a reimbursement check within a week and can now pay off my credit card with zero interest. So thankful for Healthy Paws
Insurer: Healthy Paws
By: Laurie