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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Amazing Customer Service.
I never had to worry about paying my bills for pet care. I could focus totally on my pet and his needs for recovery. The claims process only took a couple of days. They covered everything the policy states. No surprises. The customer service was the best I have ever experienced. I will be recommending Trupanion to all my friends with furry family members.
Insurer: Trupanion
By: Ali
Story of Spice
Story of my Spicy Cat, I have had Spot Pet Insurance for my 4 cats for over 6 months. Recently, my 12 year old male cat had a Urinary Tract Blockage which turned into an emergency and ended us up at the Hospital. It was suggested that he have an operation so that he would not become blocked with stones again. At a cost of over $5,000 you can imagine I was hesitant, but considering this surgery would prevent this happening in the future and prevent a possible premature death sentence by not making it to the hospital in time the next time, I agreed to the surgery. I was hoping this would be covered by Spot pet insurance and so Medvet in Worthington OH helped me get an extension on my Care Credit card so that all the cost would be covered. Sigh of relief. For now, everything was going to be ok and my best friend and companion, Spicy cat was getting the surgery he needed. A couple days after the surgery I filed the claim which was fast and easy. Within around 2 weeks I received nearly $5,000 deposited in my bank account. That was exactly the cost of the entire treatment, minus the deductible and I was reimbursed the rate of 90% . Wow, Spot pet insurance saved my cat's life and saved me from literally going through what little bit of money I have worked so hard to save for the past two years. When I signed up for Spot pet insurance I took all of my cats to their initial appointment to make sure there were no health problems and this is something I could not have planned for. This is the perfect scenario of why all pet caregivers should find a place in their budget for the minimal amount that it cost to cover your animals. It can save your wallet and your heart from breaking later. If you are doing the right thing and using the insurance as a back up and not purchasing it because your trying to "get over" on the company when an animal already has something wrong, then you will be pleased with SPOT pet insurance. The peace of mind is well worth the cost. Spot Pet Insurance is now officially Spice approved. Just look at that smile!-Jen
Insurer: Spot
By: Jennifer
Story of Spice
Story of my Spicy Cat, I have had Spot Pet Insurance for my 4 cats for over 6 months. Recently, my 12 year old male cat had a Urinary Tract Blockage which turned into an emergency and ended us up at the Hospital. It was suggested that he have an operation so that he would not become blocked with stones again. At a cost of over $5,000 you can imagine I was hesitant, but considering this surgery would prevent this happening in the future and prevent a possible premature death sentence by not making it to the hospital in time the next time, I agreed to the surgery. I was hoping this would be covered by Spot pet insurance and so Medvet in Worthington OH helped me get an extension on my Care Credit card so that all the cost would be covered. Sigh of relief. For now, everything was going to be ok and my best friend and companion, Spicy cat was getting the surgery he needed. A couple days after the surgery I filed the claim which was fast and easy. Within around 2 weeks I received nearly $5,000 deposited in my bank account. That was exactly the cost of the entire treatment, minus the deductible and I was reimbursed the rate of 90% . Wow, Spot pet insurance saved my cat's life and saved me from literally going through what little bit of money I have worked so hard to save for the past two years. When I signed up for Spot pet insurance I took all of my cats to their initial appointment to make sure there were no health problems and this is something I could not have planned for. This is the perfect scenario of why all pet caregivers should find a place in their budget for the minimal amount that it cost to cover your animals. It can save your wallet and your heart from breaking later. If you are doing the right thing and using the insurance as a back up and not purchasing it because your trying to "get over" on the company when an animal already has something wrong, then you will be pleased with SPOT pet insurance. The peace of mind is well worth the cost. Spot Pet Insurance is now officially Spice approved. Just look at that smile!-Jen
Insurer: Spot Canada
By: Jennifer
The representatives that I spoke with were helpful and gave me all of the information that was needed to process the claim.
The representatives that I spoke with, were helpful and gave me all of the information that was needed to process the claim. They were always friendly and sincere.
Insurer: Trupanion
By:
Because it is taking a long time to be paid on claims.
Because it is taking a long time to be paid on claims. More so than in the past. And I currently have 4 outstanding claims dating back to 4/30. In the past these were paid back to me very quickly.
Insurer: Trupanion
By:
Customer service is always so helpful and claims are paid within a couple days.
Customer service is always so helpful and claims are paid within a couple days.
Insurer: Trupanion
By:
I think more veterinary services should be covered.
I think more veterinary services should be covered.
Insurer: Trupanion
By:
Frustrating
It's frustrating that I am unable to ever make a claim. When I spend $50 on insurance that will never be used.
Insurer: Trupanion
By:
Trupanion ROCKS!
My 10 week old puppy was underweight when I brought him home, and he was reluctant to eat. It soon became apparent this was more than just a finicky eater because by age 6 months he began to regurgitate on a regular basis. He has had bloodwork, GI films and ultrasounds done, and we still don't know what's wrong. He is currently on prescription meds and an appetite stimulant and he is scheduled for a fluoroscopy this week. I don't know what I would do if he wasn't insured through Trupanion as these tests and medications are exorbitant. The claims process is simple and after meeting my deductible I have been reimbursed so promptly it's truly amazing. The customer service team is knowledgeable and empathetic. Trupanion's coverage is the only reason I can continue trying to diagnose and hopefully treat/cure my little guy. If he turns out to have a chronic illness, knowing that he will be covered for life with no further deductibles gives me peace of mind. The smartest thing I've ever done as a pet parent is buy Trupanion insurance. I have told so many friends how wonderful Trupanion is they have started to ask me if I own stock in the company. Trupanion, you ROCK.
Insurer: Trupanion
By: