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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Precert for Surgery Over Holiday Weekend with just a Phone Call
Based on a phone call on a holiday weekend, Embrace issued precert in time for surgery to save my dog's leg. We are grateful beyond belief. This is the Embrace that I've recommended to everyone I know and didn't want to have a pet without. Not having to worry while waiting on surgery or delay surgery due to financial worries is why I have insurance! Thanks!!!
Insurer: Embrace
By: Katherine
Embrace Totally Came Through For Us
Embrace quickly processed and issued a check for a biopsy and diagnostics within less than a week when my 2-year old suddenly had a cancer scare and hairline fracture in her leg from a bone cyst. During a terrifying week when I thought I might lose her, need to amputate a leg or face really bad choices, Embrace totally came through for us!
Insurer: Embrace
By: Katherine
Customizable Coverage
Deductable is PER ACCIDENT/ILLNESS, not annual. This means a vet visit with a $250 deductable plan is going to cost you at least that much up front. Dog gets hit by car, first visit is $250 + your portion of co-insurance. Follow up visits for those same injuries are co-insurance only (10% in my case). Dog swallows a bouncy ball the following week and needs it removed, that's a new $250+. I just feel this isn't as apparent as it should be. The direct bill is soooo worth it tho. Highly recommend.
Insurer: Trupanion
By: Alexis
Best Pet Insurance
I was very impressed at how quickly Embrace paid my claim . I had a few questions and they immediately answered them!
Insurer: Embrace
By: Susan
Healthy paws best health ins out there
Best insurance out there, they paid back promptly, don’t need to fill out any insurance claims, just submit a bill through their app, super fast, claims usually processed in 1 or 2 days, when my dog had an emergency they agreed to pay upfront also. Best experience. Very professional and truly care about your dog.
Insurer: Healthy Paws
By: Sunny
For the most part I am satisfied
Claims are easy to file and have been paid promptly. Neuter was not covered on my policy when I thought it was ouch that hurt the pocket book. Other than that for the most part I am satisfied
Insurer: Nationwide
By: Jennifer
excellent company!
My dog is a rescue that we adopted at 8 weeks old. We got pet insurance for her at the suggestion of our vet and they highly recommended Figo. The claims processing time used to be weeks, now it's a matter of just days! and very easy to submit. Very happy with this company. With my doggie's recurrent UTI's, it helps to get some money back with our frequent vet visits.
Insurer: Figo
By: Wendy
Thank Dog for this pet insurance!
My Anya was diagnosed with gastric adenocarcinoma (stomach cancer) at age 5. Just the surgery and stay itself was almost $9,000 ... not to mention monthly ultrasounds, an autologous cancer vaccine, meds, and soon chemo. I don't know how we would have afforded this without insurance. We would have (credit cards), but it would have been disastrous to our finances. As a result of knowing things were covered, we were able to explore our treatment options; we were also able to get additional opinions from the VCC in CT and also the VCA in Cleveland. As a result, she's still here, active, and doing well 6 months after symptoms began -- almost unheard of in this cancer. I only wish there was an option for a larger annual cap -- I would totally pay for that for all of my animals. Once cancer hits, $10,000 doesn't always go far if surgery is involved. But boy, did that $10K help. Get insurance, get the maximum annual cap you can ... it's affordable and absolutely worth the money.
Insurer: Embrace
By: Melissa
Superior Service
Two follow up emails after each claim; a follow up phone call. Very prompt claim reimbursement. Pleasant and friendly representatives to answer any questions.
Insurer: ASPCA
By: Sharon
Covered Items No Longer Covered
My cat has been insured with Trupanion for about 10 years. They have been great up till the last year. As my cat has aged she developed arthritis along with other treatable conditions. Last year my vet recommended cold laser treatments for the arthritis since it was less intrusive due to her other ailments. The treatments worked great and they were covered by Trupanion. Now Trupanion said they streamlined their processes and cold laser is not covered unless you pay more money for the Recovery insurance rider. Even though treating chronic arthritis is not a "recovery" item. They said they decided to jump all cold laser regardless of reason for treatment into the rider to make it easier for them. Riders are supposed to be for "additional" coverages not because Trupanion decided they don't want to cover a treatment they had been previously covering. The condition of arthritis is covered without a rider. A Trupanion rep even said the injections are covered so I could change to those. So now they are giving medical advice? Trupanion states that you have freedom of choice. But now it's at an additional cost. Also some of the reps give incorrect price quotes and aren't as friendly as they used to be. I used to recommend Trupanion to everyone. Unfortunately that is not the case anymore. What would stop them from changing more items that were previously covered and making customers pay more money for the same coverage?
Insurer: Trupanion
By: Chris