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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Terrible Pet Insurance
This insurance company was highly recommended to me, and it had good reviews, so I enrolled my 3 dogs. Our dog Lucky was about 10 at enrollment (had been enrolled with another company but when its rates were too high, we changed), but was a very healthy dog. During check-ups, he was sometimes treated for eye irritation around the outside of his eyes with some drops. When he was 14 he started having some strange eye symptoms and the doctors didn't know what it was. His eyes clouded over and were bulging, but it was not cataracts. They treated him with drops and treated it as glaucoma and eye ulcers, and all those tests and treatments were denied due to being a pre-existing condition. As time went on, in 2019, one vet said she thought he had some sort of tumor behind or in his eye that was causing the bulging of his eye. In 2020, his eye popped, and the vet sent us to an emergency clinic (during Covid) to have emergency surgery. We were applying drops and giving meds, which were all disallowed as pre-existing, so nothing related to his eyes was ever paid. Everything in his eyes was due to his eye irritation from pre-2015. The emergency clinic said they couldn't operate for a couple of days to remove the eye, so I went back to our local vet and she removed his eye a few days later. The surgery confirmed there were eye tumors (dysplasia), and after his eye was removed, the tumors proceeded to come through where the eye socket was and got very large. We finally put him down in October 2021 due to his eye tumors/eye cancer. We spent around 3K - 4K for all of this, and every bit of it was denied as pre-existing conditions. Sure, this insurance company is good about paying for major surgeries due to accidents or other things, but just about everything else is denied. Any treatment is broken down by symptoms and a different deductible is applied to each condition, so the result is that almost nothing is every covered. It says it is per condition, but if vomiting occurs and two years later vomiting occurs again, it is treated as vomiting due to a different condition and not covered. They are big liars and cheats. I am very unhappy with this pet insurance and any future pets will not be with Trupanion.
Insurer: Trupanion
By: Deborah
So happy to have had insurance
My dog just came home Sunday and is now recovering after foreign body surgery. I used trupanion express at the ER, I did not have to interact with anyone the ER and trupanion worked directly together. So happy I have this plan!
Insurer: Trupanion
By: Ashley
I can just focus on helping Buff live his best life and not worry about the bills.
I can just focus on helping Buff live his best life and not worry about the bills. Thank you
Insurer: Trupanion Canada
By:
I love how easy it is to submit my claims to Trupanion and how fast their turn around time is to receive payment.
I love how easy it is to submit my claims to Trupanion and how fast their turn around time is to receive payment.
Insurer: Trupanion Canada
By:
If you join when your pet is very young before any conditions arise your experience with claims will be easy.
If you join when your pet is very young, before any conditions arise, your experience with claims will be easy. You get to choose your deductible. Our pet had 2 ACL surgeries at different times. It gave piece of mind that once the deductible was paid, the majority of the bill was covered by trupanion. In addition, the 90% coverage by Trupanion does not decrease with the dog's age.
Insurer: Trupanion Canada
By:
The claim process is easy quick.
The claim process is easy, quick. We get an update regularly. I also had to call and received great service. I have recommended Trupanion to many of my fiends.
Insurer: Trupanion Canada
By:
The claim process is so quick making it even easier to make split second decisions regarding the well-being of my pet.
The claim process is so quick, making it even easier to make split second decisions regarding the well-being of my pet. It allowed me to have more options to give the best care possible.
Insurer: Trupanion Canada
By:
Trupanion is amazing to deal with.
Trupanion is amazing to deal with. Quick and easy claims process.
Insurer: Trupanion Canada
By:
Very easy to put in a claim and very fast reimbursement
Very easy to put in a claim and very fast reimbursement
Insurer: Trupanion Canada
By: