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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TPLO surgery for Golden Doodle
Our 6 year old Golden Doodle Sophie unfortunately tore her cruciate ligament and had to have TPLO surgery to repair her leg in January 2020. We have had Trupanion insurance since Sophie was 8 weeks old and have been fortunate in that we have never had to make a claim as we never had any issues with her. TPLO surgery is pretty major and worrying for a pet owner to say the least. It also not cheap and can be a big hit to the pocket book. The day of Sophie's surgery we arrived to pick her up at the vet and received all the post operation information and then were told that Trupanion had already settled most of the bill under our policy. I was so impressed that my vet was able to contact Trupanion and they directly paid the vet so quickly vs. me having to pay the full $4000 bill and submit for reimbursement. On top of that they sent a follow up email with all details of what they covered and ended the email with a nice note asking us to give Sophie lots of hugs! Thank you Trupanion, you really do stand behind all that you advertise. For anyone looking for pet insurance, while you might find cheaper out there I can tell you from experience, Trupanion provides no hassle complete coverage for your pet when you need them the most!!
Insurer: Trupanion
By: Mel
No regrets
My 6 month old lab puppy got into my daughters ADD medication and chewed a few capsules. Fortunately we figured this out quickly and got him treated at the local emergency animal hospital and he’s now back home and doing well. I submitted the claim to Trupanion the day he came home from the hospital which was a quick and easy process. Within a few days I was given the summary of my claim and the money was in my account by the next day. I am extremely impressed by the ease and efficiency of the claim process and this experience assured me I made the right decision to purchase pet insurance with Trupanion.
Insurer: Trupanion
By: Carla
Claims have never once been denied!
I cannot say enough good things about Embrace. I originally purchased pet insurance through Embrace when I got my Labradoodle Max as a puppy with plans to cancel it after he was a year old and had all his shots/neutering. However, when Max was a puppy I found out that he has severe allergies that have resulted in frequent vet trips and medications, so I decided to keep his pet insurance through Embrace. He eventually was placed on immunotherapy treatment shots weekly & Cytopoint shots monthly - both of which are not cheap! Embrace has covered every single one of his claims since day 1 - and I have never once had to argue with them about reimbursement or have them deny a claim. The claim process is so simple and can be done on their website, via email, mail or fax, and after you submit a claim.. Voila! You get a reimbursement check in the mail! They have even covered emergency hospital trips that were after hours. Customer service is awesome as well! I literally recommend Embrace to every pet owner I meet!
Insurer: Embrace
By: Nina
Hands down, the best out there!
With our previous dog, we had gotten pet insurance with a well known national company...and other than routine wellness claims (which went to a deductible), they repeatedly used loopholes and exclusions to deny claims (e.g. a follow up visit for a drug reaction that had caused liver toxicity became "a pre-existing condition"?). When we got a new dog, I asked our vets' front office staff (one in FL and one in NC) which insurance company THEY thought was easiest to work with and had the best coverage. They both said "EMBRACE". We bought a policy from them for our new Lab puppy and all Wellness claims went through easily. This was then followed by 2 events of eating weird things (first at age 1, and recently at age 3+.) Despite having to go to 3 different vet hospitals within 36 hours in order to avoid surgery for a foreign object, Embrace sorted it all out and covered their 80% with no hassle. They processed it all clearly and seamlessly. SO much better that the other company!!!!
Insurer: Embrace
By: Elise
Consistent Excellent Service
Trupanion has been amazing. In my entire 11 years using Trupanion so far, I have only had one issue of a claim being rejected. The issue was taken care of though once I brought it to light, which was corrected and covered. Last year we expanded our furry family from two to four. It's a relief just knowing all four of our furry felines are covered.
Insurer: Trupanion
By: Angeleen
Easy Transaction
Easy transaction....all the work done by Vet and Trupanion.
Insurer: Trupanion
By: Gary
Efficient and quick
Efficient and quick
Insurer: Trupanion
By: Janet
Claims Made Easy
It is so easy to submit claims now.
Insurer: Trupanion
By: Christine
Pollie's Journey
Thanks to the financial help with Pollie's health care costs that Trupanion provides we are able to focus on keeping Pollie healthy, helping her through any medical issues and keeping her active. Our first experience with a major claim was in August/September 2014 when Pollie was 3 years 9 months old. We were on vacation in Nova Scotia visiting Ron's family with Pollie for the first time. A few days after we arrived she stopped eating, was lethargic and weak when standing. She also did not want to play ball, which she normally wants to do 24 hours a day. We took her to a vet and was initial told it was an upset stomach from the flight, then we took her to another vet a couple days later in Baddeck and he ran some tests and thought she was going into kidney failure. He did not give up in her and looked at the blood tests again and noticed her Addison's Ratio was way out of whack. She was in an Addison's Crisis and at that point we did not even know she had Addison's Disease. He pulled her through the crisis by aggressively treating her for Addison's before the results even came in for the from PEI. Her Addison's is now under control with a low dose daily of prednisone and a Percorten injection every 28 days which she will be on for the remainder of her life. The initial cost of the treatment was over $8,000 CAD and her monthly Percorten injection is over $200 CAD. Our second major claim was in May/June 2018 when Pollie was 7 years 7 months old. After I noticed that she had started scooting, I took her into her regular vet to get her anal glands expressed. While she was expressing the right gland she felt a small bump. Pollie was put on antibiotics for 2 weeks with the initial thought that it was an infection. In June 2018 she had surgery to remove the right anal gland and it was found that Pollie had anal gland adenocarcinoma. After her bottom healed she had 6 treatments of chemotherapy. Pollie was in remission for 17 weeks, 1 day before her Oncologist found a tumor regrowth in March 2019. Pollie had surgery done again to remove the tumour and after her bottom healed again she went through radation therapy. 18 fractions in 15 days over a 4 week period. On December 16th, 2019 Pollie went for her 6 month post therapy CT Scan, physical and blood work. On December 19th her Radiation Oncologist phone bright and early in the morning with the news that no sign of disease was found. The treatments for Pollie's cancer to date were over $20,000 CAD. As of today (January 11th) Pollie is 31 weeks, 2 days with no sign of the cancer and her next appointment with her Oncologist is scheduled for April 8th. We celebrated Pollie's 9th birthday in Canmore, AB for the weekend of October 26th and celebrated bring in the new decade in Canmore again with her Dec 29th-Jan 2nd doing most of the things she loves to do, playing ball in the off leash park and going on nature walks in the mountains. We are looking forward to taking her back to Nova Scotia this summer and letting her swim in the ocean, rivers and lake which is another thing she loves to do. I want to thank Trupanion from the bottom of my heart for helping with Pollie's health care costs and allowing me to focus totally on keeping Pollie health and happy. Sincerely, Ron, Pollie and Tammy
Insurer: Trupanion Canada
By: Tammy
Fine.
Fine. I wish you had given the reason on the denial, so I do not have to research it all myself. I am assuming it must have come under the "Previous" situation.
Insurer: Trupanion Canada
By: Marilyn