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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Fast and professional service
We have had pet insurance with Trupanion for some time on 3 dogs, but only recently had a need to use it for dental work on our Havanese puppy. The approval process was simple and fast and the final claim and payment was processed within an hour of the claim. I would certainly recommend Trupanion to other pet owners. My daughter has had to make significant health claims for her cross breed dog and is also very satisfied with the insurance coverage from Trupanion for his 2 orthopaedic operations.
Insurer: Trupanion
By: Bruce
Horrible claims service and customer service
Since my porfolio transfer all I have had is greif and problems with the two claims I have submitted. The first claim for medication dates back to mid December with still no payout as medical history from over 8 years ago had to be reviewed from the last call I made to your company. Now once again I received a notice that there was again more missing information. Why does your company not want to honor your claims? Also I asked for a copy of my policy documents but never received them. What is the company hiding?
Insurer: Pets Plus Us
By: Monica
Loose with the definition of pre-existing conditions
+ The only good thing I can say is that I have heard many good recommendations about Figo Insurance. Yet, my own experience was not a good one. - I understand that pre-existing conditions are not covered by any pet insurance, Yet, Figo was very loose with the definition of pre-existing conditions. I uploaded all vet records of my dog as soon as I started the policy and asked for the evaluation to learn about the coverage for pre-existing conditions. --Which I suggest you to do too in order to not have any surprises--- - Getting a reply took a whole month. - My dog had kennel cough 5 months before the policy date, and had diarrhea 2 months before. As you all know, these cases are curable. My dog certainly has not suffered from kennel cough for 5 months, and diarrhea for 2 months. But, the insurance considered them as preexisting conditions and excluded them from being covered. - They kept claiming that all insurances will do the same, while Figo is the best to accommodate curable pre-existing conditions. It definitely was not the case, and that is why I am going with some other insurance. So, don't take their word when they claim "all insurances will do this", do your own research instead.
Insurer: Figo
By: Mehmet
Love Nationwide but wishing claims took less time to process!
I’ve been with nationwide pet insurance for 4 years now - back when it was VPI and not Nationwide. I’ve never had an issue with a claim. Filing is super easy. I have recommended countless people! My only complaint - and it’s starting to get worse - is that the turn around for claims to be processed is crazy long!! I do warn people about that now when recommending. I know a lot of people decide to get pet insurance to keep costs down. So to be out the money 4+ weeks for an expensive claim can be hard!
Insurer: Nationwide
By: S
Worth considering
Very friendly conversations and help over the phone. They hire well! The major hiccup was the 6 week delay in processing our December claim. If a person lives paycheck to paycheck, this would be a challenge.
Insurer: ASPCA
By: Pam
Fast Processing and easy submittal
Thanks to Pats best insurance they’ve made the claim submittal process painless and easy. I can typically file a claim in under one minute I have a response within 3 to 4 days on payment of the claim and money back as allowed.
Insurer: Pets Best
By: Heidi
Fantastic service and great coverage - Thanks
We were always a little skeptical of pet insurance. But because my employer offered it and my wife has a love for rescuing old dogs, we decided try it out. Wow , it's been fantastic beyond belief. Coverage has been great. All the deductibles are reasonable. Service has been great. Highly recommended
Insurer: Nationwide
By: Todd
Visit to the doggie emergency room.
Our dog stopped eating and was drinking very little for a day and a half. She started having bloody stools so our veterinarian told us to go to the local pet emergency room. She was admitted overnight and given IV fluids and medication. She was released the next day. Fortunately lab work and an abdominal ultrasound did not reveal any serious problem. We paid our bill and took her home. She has been doing fine since. The emergency facility filed our claim with Pet Embrace and i had a reimbursement check in less than a week. No hassles whatsoever. Never thought i would use the insurance but stuff happens and i'm glad i have it. Very impressed with Pet Embrace and wish my personal health insurance worked as well.
Insurer: Embrace
By: FRANKLIN
Best Pet Insurance Ever!
My Labrador Retriever had insurance the day I brought her home and I am so glad that I made that decision. Now she is 12 years old and needing extra medical care for her skin condition and autoimmune disease. I would pay anything for my fur baby, but getting reimbursed for a good chunk for the $ is definitely worth it.
Insurer: Nationwide
By: Tammi