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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Submitting claims
I love the mobile app - very easy to submit claims.
Insurer: Nationwide
By: sarah
Millie is doing great
Customer Service Rating: 10 Ease of claim Rating: 10
Insurer: Nationwide
By: Anita
Highly Recommend
We have had Trupanion for 8 years for our dog and 6 years for our cat. Our premiums are $113/month and have gone up steadily every year (not unlike my own personal health care insurance). At the end of January, our cat became severely ill; losing weight, little appetite, lethargic, liver enzymes off the charts. Our local vet diagnosed it as acute pancreatitis, but once treatment was not proving helpful they referred us to a specialty vet. Sydney spent 5 days in critical care undergoing numerous lab tests, ultrasounds, a blood transfusion (very low RBC), a bone marrow biopsy, and came home on an e-tube for nutrition. He continued to lose weight with the e-tube, however. His e-tube became infected after about 5-6 weeks and it was removed since he was starting to eat on his own. He came home with us after that procedure & seemed more like his normal self, although he was still losing weight even though he was eating. Finally, on 3/30/19, his little body just couldn't take it any longer. I came home from work and he was limp, barely breathing and unresponsive. We rushed him back to the vet who made the recommendation that we euthanize. His BP was 47, his weight was down to 2.1 kg, he was dehydrated, and his RBC was very low. We made the difficult decision, but the only humane one for him (he was only 6 years old). Trupanion was there with us from the beginning. No, they don't pay exam fees (even emergency or hospital exam fees), but once we met our $100 deductible, they paid 90% of all his outstanding bills, including special food for his tube. All the vet bills totaled close to $20K and we never could have done it without the insurance. Sydney's share of the $113/month premium is $37. Even if we had stuck $100/month away for vet bills for the past six years, we would not have even come close to being able to afford his care. So I get people's frustrations with the premiums and disputes over pre-existing conditions, etc., but when something catastrophic happens, it pays to have insurance. You hope you never need it (kind of like ourselves), but you're thankful to have it when you need it. Trupanion has been very kind since Sydney's passing. They already refunded his portion of his premium for April and we have received several emails from them expressing their sympathy. I'll recommend them everytime!
Insurer: Trupanion Canada
By: Jackie
Fearless
Our Husky Lilly does not want wild life wandering through our lawn. she got in a fight with a raccoon. resulting in the need for an office exam and a rabies booster.
Insurer: Embrace
By: Loretta
Feline Dental Surgery
My kitty needed extensive dental surgery. Thankfully he is doing much better now. He was losing so much weight and couldn’t eat before the surgery that I feared for his life. He hadn’t been purring for quite a while and his energy was low. The first 10 days after surgery he had a lot of discomfort and I was concerned that the surgery wasn’t a success but on the 11th day he was back to normal. He’s doing fine now and I am so relieved! I am grateful that Healthy Paws covered his surgery. If I had paid the entire bill out of pocket it would’ve caused me financial stress.
Insurer: Healthy Paws
By: Liz
Wish they covered humans
I signed up for Healthy Paws when I adopted my pittie 7 years ago. I am so glad I did. They have been awesome! Gracie is my gold plated pound puppy. She has had a lot of health issues along the way and a few ER visits. She had a bilateral TPLO when she was 3 and Iast week she was diagnosed with cancer and had surgery to remove a tumor. After her surgeries they email and ask how she is doing and to give her a big hug. Wow! They have always paid claims without question and even paid something that normally wasn't covered (and clearly stated in their policy) only because my pup was so sick. Claims are easy to submit and always processed quickly. I am so thankful I have this insurance. There is no way I could have afforded all of Gracie's surgery and medications otherwise. And it is clear that they care about the pets and not just about money. Too bad human health insurance isn't this awesome! Human health insurance companies should learn from Healthy Paws!
Insurer: Healthy Paws
By: Liz
Easiest process ever!
Great insurance and super easy process to be reimbursed. My invoice for Rex was mixed with other pets. I was concerned there would be confusion. There was not!
Insurer: Pets Best
By: Debra
Very informative on claim response.
Glad to have pet insurance through a reputable company such as Nationwide. So far since we have had the insurance I feel that the company has been fair in paying claims.
Insurer: Nationwide
By: Thomas
Long wait time
I think the wait was too long. I understand people get busy. The problem is people that bit this insurance are doing so because they want extra protection for their pets and finances. They shouldn't have to Wait 10 days
Insurer: Pets Best
By: David
Great Customer Service
Call to check if chemo and/or radiation were covered on my policy for my precious, little dog. The lady I talked to was very helpful and I was pleased to find out that that he will have coverage for his treatment.
Insurer: Nationwide
By: Sandra