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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Nothing but the best
Archie was named Ace when I first met him - a scared, reactive, hesitant dog at Seattle Animal Shelter. His first owner was abusive( kicking and punching his head), and Animal Control had seized Ace after multiple complaints from neighbors. He was too scared for them to even scan him for a chip, and was labeled fractious. Due to ridiculous laws, his owner was able to keep him from being fostered or adopted out for over a year. The amazing staff and volunteers at SAS did the best they could, but Ace was overstimulated and really uncomfortable. It took a village, but I was approved to foster him almost a year to the date after he had been brought in. His nickname in the shelter was "Blanket Boy" because he tore apart all blankets and toys. I had no idea how this was going to go, but I was one of about a dozen people he was fairly comfortable with, and really the only one who could take him in ( all of the others already had "special" pets and/or didn't have a home that allowed dogs of his size). He carried one of the blankets the shelter gave us to the apartment I was renting nearby, and once there spent most of the first week sleeping. About 6 months later, when he was finally adoptable thanks to staff & volunteers(including a lawyer and behavior specialist), I adopted him. I had been researching pet insurance companies while fostering and Trupanion came highly recommended. I purchased my policy, but it didn't kick in until the day after his complimentary vet visit, which revealed a mast cell tumor on his head that needed to be surgically removed and biopsied. Shelter volunteers, friends and family pitched in to help pay for the surgery and related costs, and the surgery was a success with clear margins and a low-grade diagnosis of the tumor. Of course I still worry about recurrence( I have had 3 separate masses tested in the 4 years that have passed since I adopted Ace ( now Archie) and while none of them have turned out to be malignant, I worry about this possibility as it would be a pre-existing condition that would not be covered). I have never regretted my decision to go with Trupanion, however. Archie developed pretty severe allergies, and I was able to find a dermatologist who diagnosed him and offered several treatment options. He needs both weekly and monthly shots, and has a very strict diet. Both types of shots were covered at 90% once the deductible for allergies was met. I don't worry about the cost because of Trupanion, and claims are easily submitted and quickly processed. Archie's dermatologist offered the monthly shot ( a Cytopoint injection) as a more expensive alternative to the Apoquel medication he was taking because some studies have shown a correlation between its use and certain types of cancer. Because Trupanion so consistently covers the Cytopoint injections, I was able to take a lot of the cost consideration out of my decision to switch to it. I thought it would be a huge chore taking him to get the shot every 4-6 weeks but, as it turns out, he is really used to it and even looks forward to seeing his friends there( and treats he gets in exchange for quiet obedience). Ive been meaning to write a review for a long time. As a health care practitioner who both uses and is a provider for human medical insurance, I have a lot of criticism for the system as it exists today. Trupanion has been a welcome change. I tell my patients and other providers about my experience with it, and have even talked to insurance providers about it. I really wish human medical insurance could work like this! I have looked into switching to other plans that cover preventive care and pre-existing conditions, but I really have a lot of loyalty to Trupanion. In addition to my own positive experience, I also know some Trupanion employees personally and have heard that they are treated well. This is also very important to me. Archie and I both appreciate your hard work, attention to detail and history of great coverage and benefits. Thank you!!!
Insurer: Trupanion
By: Pamela
I won’t be without it with any pets
I always send in all paperwork vet gives me. The receipt with everything itemized. The vets office really doesn’t give you a diagnosis sheet. When I submit everything I am given I always get rejected and the reason is no diagnosis. I contact the vet and they say everything is on the paperwork. I have to usually file at least twice to get approved
Insurer: Nationwide
By: Lisa
You can't go wrong woth Pet's Best
Pet's Best took care of my claim in record time. Thank you PB for making it as easy as possible.......I only wish it worked like people insurance so I didn't have to pay upfront.
Insurer: Pets Best
By: DORIE
Lilly is doing well. Thank you for the support.
Claims were processed promptly. Some delay on one because of a diagnosis error on our part. But, form letter did not explain the problem in sufficient detail for us. It required a conversation with our Vet.
Insurer: Nationwide
By: Robert
Trupanion Comes Through!!!
I learned the hard way with a previous pet about not having pet insurance. We rescued this pet 3-1/2 years ago and the day after we got him, I got pet insurance. Even though we've paid every month, we've never had to use it until the last several weeks. Trupanion came thru and let me worry about taking care of my dog, rather than how I'm going to pay for the services. Thank you Trupanion!!!
Insurer: Trupanion
By: Suzy
I wish my medical insurance was this good.
So far we are very happy with this pet insurance policy. Our pup is so well taken care of; and it is a group effort now with Nationwide. Our dog is very healthy and even the veterinarian has complemented us on our care for the sweet animal and the fact that we have an insurance policy for her. An awesome insurance policy provided by Nationwide. Thanks to everyone at Nationwide for doing it right!
Insurer: Nationwide
By: Scott
One less thing to worry about
Nationwide is so easy to work with. Submit the claim properly and they pay.
Insurer: Nationwide
By: David
Great coverage
Great coverage, great claims process and payment. I could not be happier.
Insurer: Pets Best
By: Donnie
Doesn't cover supplements
The only part I don't agree with the decision made of what to pay is that on this recent claim the vet prescribed a supplement for a bacterial skin issue and I understand supplements aren't covered but feel if the vet prescribes it that it should be reconsidered.
Insurer: Pets Best
By: Brittany
We'd recommend Pets Best
Our pets Amber, Jackie, Chip and now our new baby JAX have been with and insured with Pets Best Pet Health Insurance since the day they were born. We are pleased with the awesome customer and the prompt reimbursement of our claim for over 15+ years. We'd recommend Pets Best Pet Health Insurance to all our family, friends, aquatints publicly! Thanks for you do in continually keeping all of our furry family members in the best of health. Kindest Regards, Mark, Michael, Amber, Jackie, Chip, and our newest baby JAX!
Insurer: Pets Best
By: Mark