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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Unethical claims processing business practice
I've been a customer of Embrace since 2018. I have two pets covered, my 2 year-old Belgian Malinois dog and my 1 year-old Maine Coon cat. My experience has been that I have to review the explanation of benefits when Embrace processes claims and here's why: 1. I processed a $819.12 claim for my cat's gingivitis with gingivectomy and dental extractions. Because I have the $650 wellness rewards, what the claims adjustor did was use up all my wellness rewards and the rest she covered under the dental illness. The problem with that is that it effectively takes away my wellness rewards that I use for the cat's grooming, shots, and other annual veterinary visits instead of reducing the $1,000 a year dental illness coverage. So, I lose my wellness rewards (which is not really free as it is a reimbursement plan that's paid in full over a 12-month policy term; in other words, you pay dollar for dollar for this "benefit."). Put a different way, the way the claim was processed, actually benefits Embrace as they did not have to cover the claim under the additional and completely separate coverage of dental illness and they no longer have to reimburse actual wellness rewards claims because they have been exhausted. They told me they do this as a general guideline to maximize the reimbursement for the customer, but in reality this is false advertisement and a blatantly unethical business practice because this doesn't really do the customer any favors. When I called them out on this, they re-processed my claim, but instead of breaking out 21 line items in the $819.12 invoice, they reduced it to 10 and processed it as a $446.50 claim. I've requested another review of this claim, but decided to write this before getting a response from them about my last request as it is clear to me that this isn't a mistake; it is an attempt to save costs at my expense. 2. I processed a $1,699.25 pre-certification for my dog for a broken tooth and while the pre-certification covered the claim, it broke things out as follows: $106.00 from wellness rewards to cover the post procedural dental cleaning/polishing; $103.00 from dental illness to cover the required anesthesia for the procedure; and the rest from the accident coverage. Now, this is an accidental complex upper canine fracture and it is not appropriate to mix/match coverage as anything included in the estimate should be covered under the accident coverage. Granted, this is a pre-certification from an estimate and not an actual processed claim, but the trend is consistent with point number one above. On a positive note, they do provide excellent and courteous customer service.
Insurer: Embrace
By: Edwin
Pet insurance Rip off
My pet had ONE illness but Trupanion broke it down to three submissions and further subdivided each submission into illness categories. Then Trupanion applied the deductible to each sub category. So instead of one deductible amount there were several full amount deductibles. Needless to say the refund was paltry. Trupanion asks if I will recommend their company to friends and family—definite no. Put the monthly premium aside and use it for pet expenses, pocket the difference and avoid the frustration. I will cancel my policy.
Insurer: Trupanion Canada
By: Richard
Great Pet Insurance
I love Trupanion. You take a photo of the invoice from the vet and upload on their site-very simple- and they take care of the rest. I just got $2100 back on a $2300 bill. And the money goes directly into my checking account. So worth the reasonable monthly payments.
Insurer: Trupanion
By: Jessie
so pleased that I am insured with trupanion
When I rescued my dog I knew I should purchase insurance. I took the advice of my vet ( I have know for many years and trust) and went with trupanion. I recently had to file a claim. It was handled so quickly. In addition, they added the nicest note for my little dog in their e-mail! Their website is easy to use. I also had reason to call them and found the staff to be helpful and personable. I also feel that their rates are reasonable. It is really important to have insurance and I feel trupanion is a good company to go with.
Insurer: Trupanion
By: Judith
Love it!
Super simple and easy to use, Healthy Paws is a life saver for our accident prone & racoon fighting pup.
Insurer: Healthy Paws
By: Matt
Trupanion is always there for me.
My 10 years old Shih Tzu has lots of health problems from the time he was 1 year old. Knee dislocation which surgery costs was $2500 not including after surgery care costs. He has frequent ears infection, cardiac condition, tracheal collapse, dry eyes. He needs several medications for life to keep his health issues under control. I am so glad that I made the right choice of getting my pet insurance through Trupanion When he was a puppy. Not a day have I regretted making my choice with Trupanion. They truly have taken this financial stresses off my shoulders throughout all these 10 years as we all know how veterinary bills can add up. Trupanion can always be trusted and reliable. They will not find any excuses to delay or denied any genuine claims. My claims took no more than 3-4 days to get reimbursed. Thanks to Trupanion, my “baby “ is able to continue seeking veterinary cares. I can reassure you getting pet insurance never a wrongful decision.
Insurer: Trupanion
By: Susanna
Trupanion has been a lifesaver for my dog and my finances !
Trupanion has been easy to use and an honest, first class company. They do what they say they will, no hassle and easy to work with.
Insurer: Trupanion
By: Edie
I had a very very informative and helpful conversation on the phone about what my insurance covers and how to make a claim.
I had a very very informative and helpful conversation on the phone about what my insurance covers and how to make a claim. I am very grateful for the help!
Insurer: Trupanion Canada
By: Douglas
Even though Starr could not approve Sam's complicated neuter expenses she explained the situation well and replied to my enquiry quickly.
Even though Starr could not approve Sam's complicated neuter expenses she explained the situation well and replied to my enquiry quickly.
Insurer: Trupanion Canada
By: Albert