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.
64,674 total
Other Categories
Buyer beware!
Buyer beware! After paying Spot Pet Insurance for years, when our pet had to go to the emergency clinic, they refused to pay our claim even though we had 2 different veterinarians stating plainly (diagnosis and letters from the vets) that our dog had eaten something, then vomited, then aspirated some of the vomit, which caused aspiration pneumonia. They have steadfastly tried to get out of paying our claim despite what the vets said was an accident, insisting that they don't cover illnesses. They are trying to use a loophole to get out of paying the claim. Both vets clearly stated that pneumonia was SECONDARY to the accident and we have accident insurance. They are insisting the primary diagnosis was an illness, not an accident as the veterinarians diagnosed. This has cost us 4k and a whole lot of headaches going back and forth with Spot. Look elsewhere.
Insurer: Spot Canada
By: AnneMarie
Buyer beware!
Buyer beware! After paying Spot Pet Insurance for years, when our pet had to go to the emergency clinic, they refused to pay our claim even though we had 2 different veterinarians stating plainly (diagnosis and letters from the vets) that our dog had eaten something, then vomited, then aspirated some of the vomit, which caused aspiration pneumonia. They have steadfastly tried to get out of paying our claim despite what the vets said was an accident, insisting that they don't cover illnesses. They are trying to use a loophole to get out of paying the claim. Both vets clearly stated that pneumonia was SECONDARY to the accident and we have accident insurance. They are insisting the primary diagnosis was an illness, not an accident as the veterinarians diagnosed. This has cost us 4k and a whole lot of headaches going back and forth with Spot. Look elsewhere.
Insurer: Spot
By: AnneMarie
Amazing
I adopted my pup Marvin earlier this year and immediately looked into Pet insurance because I am a college student. after researching different insurance plans, Spot seemed like the best option. I am so glad i signed up with spot when I did because Marvin ended up not being able to keep any food which led to many expensive vet visits. Spot was very helpful and timely with my claims.
Insurer: Spot
By: Maggie
Amazing
I adopted my pup Marvin earlier this year and immediately looked into Pet insurance because I am a college student. after researching different insurance plans, Spot seemed like the best option. I am so glad i signed up with spot when I did because Marvin ended up not being able to keep any food which led to many expensive vet visits. Spot was very helpful and timely with my claims.
Insurer: Spot Canada
By: Maggie
A great insurance option for your pets
I recently changed jobs and was able to get a discount for having an ASPCA insurance policy, so I changed to it from Trupanion. My wife and I have insurance on all of our pets (2 dogs and 2 cats), and we have tried all of the main providers including Trupanion, Nationwide, and ASPCA. Recently our youngest, Luna, was having severe pain in the stomach and we had to go to the emergency vet multiple times within the same week. On the second trip, they decided to perform a biopsy on her GI tract and she stayed in the hospital for 3 days. The total cost was right around $8k total, of which ASPCA covered our yearly max of $5k. We received this payment in less than a week after the surgery, which is a great turnaround time. We had no issues with the claim or any questions that we had, which was awesome. I highly recommend ASPCA for your pet insurance; the only one which would be a higher recommendation would be Trupanion with a vet who supports their pay now option (basically, they pay your insurance claim to the vet directly while you are still there with no delays). Luna is doing fine now, and while I hope that I will not need to use the insurance, I'm happy with the fact that it's a smooth process if I do need it.
Insurer: ASPCA
By: Shaun
My our recent issues with Charlotte Trupanion was there and pre approved our procedures right away.
My our recent issues with Charlotte Trupanion was there and pre approved our procedures right away. I have nothing but excellent help from this group.
Insurer: Trupanion Canada
By: Patricia
Non-plussed by Coverage
$1000 vet bill, $400 deductible, and only $273 was covered. Whatâs the point of having insurance if it covers so little of the cost of an injury treatment?
Insurer: Trupanion Canada
By: Matt
claims are handled quickly and efficiently - thank you so much
claims are handled quickly and efficiently - thank you so much
Insurer: Trupanion Canada
By: Ursula
I quoted an old claim regarding a leg issue and they said it was another issue - when it clearly says leg.
I quoted an old claim regarding a leg issue and they said it was another issue - when it clearly says leg. Plus they did not attach a form to appeal. Plus they divided up the claim into three different claims for the same issue In past claims have been dealt with clearly. This is a paper case and a waste of my time. Especially when it was clear on the initial submission
Insurer: Trupanion Canada
By: Jean
My large claims have been pending for longer than estimated.
My large claims have been pending for longer than estimated. That is the only frustrating part of my experience. All the interactions have been positive and the claims process is quick and easy.
Insurer: Trupanion Canada
By: Leah