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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Fast, efficient service, well appreciated
Having adopted another older dog following the demise of a previous older dog that had about $10,000 worth of health problems in the 2.5 years I had her, I decided to try pet heath insurance with my latest elderly dog adoption. Unfortunately after nearly 3 years of good luck and great experience, my dog has developed liver cancer. After tests and biopsy, it looks like supportive/comfort care is what we're left with. Trupanian worked as advertised. Easy to file a claim on line. I got the results of my claim acceptance in less than a week. My reimbursement will be arriving by check in the near future. Reallyi excellent service and good coverage as well.
Insurer: Trupanion
By: Donald
Everything is a pre-existing condition
We adopted a dog in February, 2021. Since he was transported from down South with a van full of dogs, he developed kennel cough that needed to be treated shortly after he arrived. He fully recovered from that with antibiotics. That was the start of our issues with Embrace. He developed another cough, with no close contact with other dogs, several months later. This was determined to be a "pre-existing condition", apparently simply because it was respiratory, and even though the earlier cough had completely cleared up and he had been healthy for months. Our most recent interaction with Embrace was the topper. He was diagnosed with heartworm, and you guessed it, the claim was rejected as a pre-existing condition, even though I see no connection between respiratory infections that have been cured and newly-diagnosed heartworm, and neither does out vet. Apparently, everything is now a pre-existing condition in Embrace's eyes. I don't see what the point is in pet insurance if nothing, even things that are seemingly unrelated, aren't covered. It may make more sense to cancel the policy, save the premiums, and pay out of pocket, since that's what we're doing anyway.
Insurer: Embrace
By: Mike
Pet Insurance is a must, Trupanion is a dependable provider
Our first year of dog ownership has been unexpectedly expensive, and would have been much more so if we hadn't signed up for pet insurance immediately. Our boston terrier puppy has had a string of unexpected and costly medical issues, including a drawn-out stay in the hospital for vomiting and stomach issues and a surgery to correct breathing issues. We've found Trupanion's coverage to be fair to their policy promises and their claim processing has been overall fast and painless. I would say check with your vet to see if they are able to process your claims directly. Ours does not, but we found the online claims system was pretty easy to navigate. In short, pet insurance is an absolute must for all new puppy parents considering how much medical treatment costs these days, and we've had a positive experience with Trupanion and would recommend them to others.
Insurer: Trupanion
By: Christina
Lemonade Pet Insurance Is The Best!
Lemonade Pet insurance is the best around. They make filing claims easy. I received my refunds immediately after filing my claim for my Taco's vaccines. Excellent process.
Insurer: Lemonade
By: Khadijah
Caron’s review
Excellent customer service . The rep was very polite , explained all the detail with the coverage and answered all my questions . I ask a lot of questions and I never felt rushed. Very knowledgeable and professional.
Insurer: Trupanion Canada
By:
Great coverage fast excellent customer support
Great coverage, fast, excellent customer support
Insurer: Trupanion Canada
By:
My vet was able to directly send the claim and let me know my portion of the bill.
My vet was able to directly send the claim and let me know my portion of the bill. Very easy and fast. Also had my copy of the claim from you in my in box the same day. Thank you.
Insurer: Trupanion Canada
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Our very first claim is being denied as a pre-existing condition so need to go through the appeal process.
Our very first claim is being denied as a pre-existing condition so need to go through the appeal process. Not a great introduction to the policy, and quite frankly supports why debated getting a policy - that the insurance company will always find a way to deny a claim.
Insurer: Trupanion Canada
By:
The online claims submission process is extremely easy and the pay outs are usually within 48 hours.
The online claims submission process is extremely easy and the pay outs are usually within 48 hours.
Insurer: Trupanion Canada
By:
Very fast turnaround.
Very fast turnaround.
Insurer: Trupanion Canada
By: