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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Worst Company
I initially signed up for Trupanion as it was recommended by a trainer I spoke with.. their policy sounded good, however, Trupanion will do anything to get out of paying for a claim and deem something is pre existing. I had ongoing issues with Trupanion picking and choosing their words in their outcome letters making it sound the way THEY intended it to, versus being 100% factual. For example, I understood our puppy would be pre existing for a common parasite she got during the waiting period....I contacted trupanion to inquire how it would work moving forward-- as like humans, animals can have similar symptoms for different diagnoses... this was the case with our pup...we ended up taking her in to the vet-- and her initial symptoms were not pre existing....furthermore, nor was the diagnosis the Veterinarian gave her .. so I decided to appeal their decision... I spoke to.the Veterinarian thereafter and was informed that she made it VERY clear the claim I had submitted was unrelated to any previous visits... she was asked to clarify three times by the customer service rep... Shes a Veterinarian for goodness sake ! I would think her judgement would not be questioned multiple times... I understand the need for clarification but multiple times? Unprofessional. Hours later I received yet another denied claim....when I read the outcome letter-- it was disgusting... the words were picked and chosen through past medical records and dates that were not even pertinent to the claim ! To.ensure it sounded like it fit somewhere in preexisting.. disgraceful! I have no more energy to fight with an insurance company although I know their decision was not warranted and goes against anything I have read in their policy. Additionally, it doesnt make sense given the conversation I had with Trupanion when we called to inquire about what pre existing meant... now-- it's an umbrella term... as in, although our pup received a different diagnosis... because it was still "GI related" her new recent and never before diagnosis was denied. Perhaps I should have known better....insurance companies will take an individuals hard earned money and do anything not to pay out ! What a rip off! I am appauled at the shadyness of this "company".. perhaps in an emergency situation with emergency surgery they wouod be better... but I'm not willing to continue to spend my hard earned money with the chance of A MAYBE. shame on you Trupanion!
Insurer: Trupanion Canada
By: Amanda
Filing my claim was quick and easy and reimbursement came in a timely manner.I would highly recommend Nationwide to my friends!
I’m so thankful I made the decision to insure my pet Hunter through Nationwide Pet Insurance. Filing my claim was quick and easy and reimbursement came in a timely manner. I would highly recommend Nationwide to my friends!
Insurer: Nationwide
By: Lisa
Wonderful insurance
So easy to submit a claim and get reimbursed quickly! They are easy to reach and talk with.
Insurer: Healthy Paws
By: Suzanne
Because you've always reimbursed me as I should be worked with me when I had financial issues and have excellent responsiveness
Because you've always reimbursed me as I should be, worked with me when I had financial issues, and have excellent responsiveness
Insurer: Trupanion
By: anna
Easy to file claims.
Easy to file claims. Friendly phone staff.
Insurer: Trupanion Canada
By: Dane
My opinion
Nothing on an annual checkup is covered by this insurance yet these exams can help to prevent future health issues.
Insurer: Trupanion
By: Elizabeth
Trupanion has always been great when my dog has had an health issue.
Trupanion has always been great when my dog has had an health issue. Also they explain why something wasn't covered.
Insurer: Trupanion Canada
By: Jenn
Non covered charges
Disappointed that the Vet's fee for diagnosing the dog's illness is not part of a legitimate reimbursable amount. It's considered to be a non insured medical exam. The dog wouldn't be there for an exam if she wasn't ill.
Insurer: Trupanion
By: Karen
I have had trupanion for twelve years or more with two dogs one had cancer and your company was great.
I have had trupanion for twelve years or more with two dogs one had cancer and your company was great. Now my new rescue is on it too.
Insurer: Trupanion
By: Kathleen
Very Prompt service and payment
I really like the fact that you process the claim immediately and I only have to pay the amount not covered by the insurance when I picked up my dog. I also appreciate the one time deductable for a diagnosis. Thank you
Insurer: Trupanion
By: Karen