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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Garbage/Scam/Cons
We insured our dog at five months old. We had her spayed right before we got insurance. The vet gave her too much anesthesia, and this caused a back leg paralysis. We found out the dosage is different with Tibetan Mastiffs. It cleared up in a day and she walked fine. I purchased the insurance after that. Fast forward two years. We took her to the vet to make sure she doesn’t have hip dysplasia. We did this because we found out the breeder she came from didn’t have breeding rights. We also had no info on her hips. We just wanted to take precautionary measures to make sure she wouldn’t have any problems. The vet took X-rays and concluded she didn’t have hip dysplasia. We filed our claim with Healthy Paws to be reimbursed 90% of our vet visit. They came back and said since she had a “pre-existing limp” from the prior paralysis, and she couldn’t be covered whatsoever. This was the first claim we ever filed. We had extensive documentation showing she didn’t have hip dysplasia. They basically said F-off. We cancelled our policy, and they took us for two years of monthly payments. Stay away from them.
Insurer: Healthy Paws
By: Ellie
First Pet Insurance Claim
I typically don’t do these because they are time consuming, however, I think it’s important that people know about a product or service before they purchase it. I had never had pet insurance before. When I got my dog Angel, a little over a year ago, her vet suggested it after her first visit. He is also a good friend, so I trusted him. He sent me home with a few pamphlets and I ultimately chose ASPCA. I knew the name and trusted that if I ever needed it, they’d pay. About 3 weeks ago I had to take my sweet girl to the ER, then to a specialist for surgery. Between the ER, her surgery and 4 nights in the hospital, I was out over $10k. Once I had received the invoices, I went on the ASPCA website and put in my claims. The process was SUPER easy. It said it would take 2-4 weeks to process. It took less than 2 weeks AND I got the checks shortly thereafter. I could not be more of an advocate for pet insurance now and especially ASPCA. P.S. Angel is doing great!
Insurer: ASPCA
By: Randi
Terrible claim service
I paid my monthly fee electronically through bank withdrawal. I submitted my first claim electronically, a photo accompanied by the proper docs. A while later a response came - they my photo was to blurry. Wasn't blurry on my end. Then they needed a paid receipt. The second paper showed the bill was zero balance. Then they wanted a bank receipt. I threatened with my lawyer, fraud and BBB, cancel my Pet insurance and return my premiums as this was timely and now months of frustration. They cancel and tell me to submit. I sent them the paperwork through snail mail. They declined one item. I understood but the entire claim. Again I contested. another letter and I am still waiting. this has been going on for months and absoring hours of my time. I do not recommed this Pet insurance company. Others are more reliable.
Insurer: Pets Best
By: Bettie
Good experience
I had a good experience with Bethany and AJ Percal for my Claim. The first claim took longer than I had expected but they showed great patience and profession in explaining the process to me.
Insurer: Furkin
By: Ivan
Kind and informative
Bethany was kind, informative and very helpful. She took the time to thoroughly and clearly answer my questions while even kindly checking in on my cats wellbeing. It was super disappointing not having the ultrasound covered. The information/care provided when I expressed this allowed for this disappointment to also show satisfaction with the company.
Insurer: Furkin
By: Alexis
Fast response
Fast in response. Wish we didnât have to file a claim
Insurer: Trupanion
By: Kevin
Pleased Pet Mom
I changed to a vet who does not file claims directly. So when I made my claim, I was pleasantly surprised with the ease of submitting it, and the response time.
Insurer: Trupanion
By: Eileen
Iâm not happy with my claim submitted for my dog going to the ER for throwing up multiple times was denied.
Iâm not happy with my claim submitted for my dog going to the ER for throwing up multiple times was denied. This shouldnât be considered as a previous diagnosis because you canât prevent a dog from throwing up which they can do if they catch a cold
Insurer: Trupanion
By: Joey
Quick processing the claim
Quick processing the claim
Insurer: Trupanion
By: Rosalyn
Best Pet Insurance around!
Submitting an invoice is incredibly easy and I have gotten money back from you all for big and small things. It's been a fantastic process! Especially since I have dealt with Embrace and was not granted anything for my former dog.
Insurer: Trupanion
By: Anitra