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.
64,759 total
Other Categories
Disappointed in the response time for claims processing.
Disappointed in the response time for claims processing. And, disappointed as an independent referring veterinarian and costs with monthly rates rising despite providing discounted invoices for all claims.
Insurer: Trupanion
By:
Disappointing that every new medical diagnosis is viewed as a new occurrence (of a new symptom) and my $500 deductible applies.
Disappointing that every new medical diagnosis is viewed as a new occurrence (of a new symptom) and my $500 deductible applies. ....
Insurer: Trupanion
By: Beate
Past experience with claim redults
Past experience with claim redults
Insurer: Trupanion
By: Christine
Beth was pleasant.
Beth was pleasant. There was a problem with the email receipt of Vet bills. Trupanion claimed i did not send a full page. The only thing missing was my personal cc info and sales tax info which Trupanion doesn't pay. Any other information on the invoices were not pertinent to processing these claims. Yet the invoices sat without processing for a week until I called. All Trupanion had to do was send me an email stating to resend information as a full page. Sounds like Trupanion doesn't trust their members. When I explained to Beth this concern she had no answer. So I sent the invoices again..
Insurer: Trupanion
By: Lynne
Quick response for claims
I get a response for my claims within a week.
Insurer: Trupanion
By: Barbara
I have been very happy with my pet's coverage with Trupanion and have always passed that on to friends who are looking to insure their pets
I have been very happy with my pet's coverage with Trupanion, and have always passed that on to friends who are looking to insure their pets
Insurer: Trupanion
By: Dena
I have been VERY impressed with Trupanion and all of the wonderful customer service I have received.
I have been VERY impressed with Trupanion and all of the wonderful customer service I have received. From the ease of filing claims to the prompt payment of the claims and everything in between, Trupanion has been fabulous!
Insurer: Trupanion
By: Brad
I have heard from other Trupanion subscribers that Trupanion often denies coverage on legitimate claims.
I have heard from other Trupanion subscribers that Trupanion often denies coverage on legitimate claims.
Insurer: Trupanion
By: Sarah
Excellent fast claim!
I put in a claim for my dog’s TPLO surgery and it was approved in 2 days and the money amount was deposited into my account in 4 days!!! Excellent service.
Insurer: Trupanion
By: Linda
Terrible coverage pay way too much for absolutely no coverage considering they will claim everything pertains to a pre-existing condition.
Terrible coverage, pay way too much for absolutely no coverage considering they will claim everything pertains to a pre-existing condition. My dog swallowed a tack once when he was a 5 month old puppy, has not had a "recurrent" pattern of this. He is now 2 years old and has not done anything like this since < 6 months old. Yet, when he was taken to an emergency vet for concern for gastric volvulus due to hacking, X-rays were obtained in workup and after 750 dollar workup was determined he just had kennel cough. These charges were denied due to "pre-existing condition" of foreign object ingestion as a puppy. Now I am in the process of a length appeal due to Trupanion's inability to handle any claim in a timely manner, in conjunction with their negligence to provide care for an animal on a condition utterly and completely unrelated to ingestion of a foreign material. The treating veterinarian has even said they obtained the imaging to rule out gastric volvulus, with ingestion of foreign material extremely low on the differential diagnosis. Trupanion simply tries to skirt out of any possible reimbursement. This is not new to us, unfortunately. As a puppy, our dog became very ill, was later diagnosed with SRMA (steroid responsive meningitis arteritis) after a nearly 7k workup. This all occurred on day 28 of our policy with Trupanion, despite having coverage with AKC insurance before for the first month we had him. Thus, we never had a lapse in insurance coverage however due to Trupanion's stringest 30day preexisting condition policy, all charges were denied. Honestly, I don't even know why we pay the outrageous fee every month to have zero coverage when it has really mattered in the past. We will be switching insurance shortly, in the process of searching better alternatives.
Insurer: Trupanion
By: Gabrielle