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.
64,641 total
Other Categories
Never paid any claim citing vague "pre-existing" condition
My dog had pancreatitis before she was insured. This is a very specific diagnosis. Healthy Paws has denied every claim we have sent that has had anything to do with the GI tract.
Insurer: Healthy Paws
By: Michael
Easy process.
Thank you for making my puppy's initial vet visits covered. The process was easy and I'm happy I signed up with Pets Best.
Insurer: Pets Best
By: Kelly
Process is easy
The claim process is easy and Trupanion delivers on what they promise. Trupanion is clear about the parameters of the insurance plan, so there should not be any surprises when a claim is entered. I highly recommend others reading their plan when they join and asking questions until they thoroughly understand the details. Customer service is excellent. Our rescue beagle, Henry was extremely ill right after we adopted him. The claim process and coverage was as described in Trupanion's literature. We have been dog owners for 30 years and this is our first experience with insurance. Will never be without it again!
Insurer: Trupanion
By: Bernadette
Easy and quick
Every interaction I've had has been easy and quick. The claims process is SO easy and straightforward.
Insurer: Trupanion
By: Simone
Worth it to get the insurance.
I took my dog in for his regular preventative care and submitted the claim, in less than 2 weeks I received the insurance payment. This was so easy and very worth it to get this insurance.
Insurer: Pets Best
By: Rochelle
Easy claims process.
The process to complete a claim was easy.
Insurer: Pets Best
By: Annette
Easy and quick claims process.
Easy to file. Quick response. Clear explanation of benefits.
Insurer: Pets Best
By: Jeanette
Satisfied
Fairly satisfied. Prompt responses. Wish they paid out on more items. Expensive but better than others.
Insurer: ASPCA
By: Stanley
We learned our lesson and are pleased that we did
We have had 4 rottweilers in the last 34 years. The second one had a serious problem that took his life at 8 months. We did not have pet insurance for him. I would be embarrassed to say how much we spent trying to bring Cuddy back to health. When we purchased our 3rd Rott, we had learned our lesson. Nationwide saw us through a couple of major issues including toe cancer resulting in amputation of the toe, spleen cancer and a ripped ligament in his rear leg. Each year I waited for the premium to be increased but it never did raise. When it was time to get our fourth Rott, there was no question if we would go with Nationwide. Early on this Rott developed IBD and Nationwide has had Samson's back for 3 years. I am a continuous salesman for Nationwide Pet Insurance.
Insurer: Nationwide
By: Don
Underwritings and Fine Print
My experience with this pet insurance company has been a complete nightmare. I signed my dachshund up with ASPCA in August 1st of 2016. My dog Winston was 9 years old at the time and had no preexisting conditions. In the past two years the plan has gone up in price substantially (I started out paying $36.00 a month and I now pay $56.00 a month). Now get this. It is June of this year when my dog got diagnosed with Lymphoma (a quick growing cancer that has a prognosis of two months). For the first time in Winston's life he has an illness that is severe and needs significant treatment. At this point I am overjoyed that I have put so much money into a pet insurance company that has a limit of $3,000 dollars in order to help prolong Winston’s life (being that I am a grad school student graduate I have significant student loan debt and this monthly $56.00 of allotted money that I was putting towards my pet insurance was precious and significant). Because of ASPCA’s policy that refuses to provide reimbursement for continued treatment after the renewal date (as in—because I started my pet insurance on August 1st, they refuse to reimburse me should Winstons’ treatment’s continue beyond this date, although the yearly limit they provide that they will reimburse towards is $3,000) This appears to violate the agreement that I and many others might assume to exist in that they will provide reimbursement for bills accrued due to illness, accidents, etc. Their abrupt cancelations for canceling reimbursement for my dogs treatment appeared callous and cold as well as only covered two chemotherapy treatments out of the minimum of five that were recommended. My vet (Dr. Lauren Silverman, DVM) at Healthy Pet’s Veterinary Hospital in the West Portal District of San Francisco (where Winston was diagnosed with lymphoma), as well as my current Oncologist (Dr. Bryan Marker DVM, DACVIM) have expressed their dismay and disrespect for the insurance companies apparent disregard for their abrupt cessation of reimbursement support for vet bills right before a renewal date. Had Winston been diagnosed with cancer in September, he would have had 11 months of reimbursable treatments that could have prolonged his life (as Winston was responding favorably to the chemotherapy). I am extremely disappointed that the massive fine print in the ASPCA pet insurance allows them to feel compelled to not reimburse me for any treatment taking place after August 3rd when my pet insurance is renewed. The vets that have grown to love Winston have decided to stop recommending ASPCA pet insurance to their patients due to the numerous loop holes which allow them to escape responsibility for reimbursing for vet bills. I have now only been reimbursed $1,038 dollars an entire month after submitting my claim for $1,300. Not only has this pet insurance nickeled and dimed me as much as possible, but they have made it so I am now paying even MORE based on the interest this amount has accrued on my credit card. I too must speak out against this grave injustice that I feel I have experienced at the detriment of my pet’s lifespan. I cry writing this review while knowing my baby has only about a month left and has already started to decline dramatically due to his cancer tumors returning. I only hope that this review can assist someone who loves their pet the way that I do in making a better pet insurance decision.
Insurer: ASPCA
By: jenna