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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I took Xariah when I got her to vet…
I took Xariah when I got her to vet applied for insurance even added the vet care and shot coverage received a letter needed vet records had to pay for second round of shots she got clean bill of health sent in all visits keep getting letters need 12 month vet checks she’s almost 5 months still don’t know if I have insurance . Randy Nidey
Insurer: Nationwide
By: Randy Nidey
Fetch has been a great insurance…
Fetch has been a great insurance provider for our cat. During his illness Fetch never denied a claim and even sent a warm email once he passed. I am very thankful to Fetch and appreciate the way they do business.
Insurer: Fetch
By: Ed
Submitting a claim was very easy
Submitting a claim was very easy. Just use the app and take a photo of your receipt and treatment plan and that's it. The only issue I had was trying to find my plan coverage since I had signed up a few years back and couldn't remember what my plan covered.
Insurer: Healthy Paws
By: PV
Best pet insurance ever.
Best pet insurance ever. My dog is a living example of how this insurance saves dogs. When I got a Saint Bernard, I knew vet bills could be expensive so I bought this insurance, just in case. It is the best decision I ever made. This company is excellent. My Saint, Maisy, has had many medical issues; she has been in and out of the hospital multiple times. She is five years old. This insurance has never once denied a claim. Not once. I would buy it again without hesitation if I ever had another dog. It has literally saved her life and is worth every penny.
Insurer: Trupanion
By: Deborah Straszheim
8+ years of peace of mind, followed by incredible service
We’ve been Trupanion policyholders for 8+ years. Like most pet parents, you pay your premiums hoping you never have to actually use the policy. When our boy developed some health issues this year, we had to file our very first claim. I cannot praise Trupanion enough for how painless they made the entire process. From the immediate email confirmation that our claim was initiated to receiving the reimbursement in the exact same week, the communication and speed were outstanding. Dealing with a sick pet is incredibly stressful, but Trupanion made the financial side of it completely worry-free. Thank you for being there when we needed you!
Insurer: Trupanion
By: Connie
Typical Insurance Agency. Waste of Money.
I've had 3 dogs on Healthy Paws for the past 6 years. I'll give examples of only one dog. The experiences with the other 2 dogs is similar. My dog was a foreign import and came to me at 7 months old. At the time I signed him up for insurance, I had only his breeders vet records, which were in another language. I also has his European health passport. He was healthy and other than his vaccines, had no health issues. After paying premiums, I got his baseline vet check, and he was in excellent health. A year and a half after enrolling, he was denied coverage for an injury based on it being a "pre-existing condition." He'd literally never been to the vet for anything but vaccines. Yet he somehow when he got hurt while playing in the yard, it was a "pre-existing" injury. I'd say about 75% of his visits were denied for non-existent "pre-existing" conditions. When I called, they'd pick a couple comments out of his office notes that they'd twist to justify as a "pre-existing" condition. When my dogs got older, they grabbed every opportunity to cancel the policy. This last time, they told me I could reapply, but the premiums would be even more astronomical. I went ahead and let the insurance go because they were charging well over $100 per month for each dog, even for the youngest, who'd never even had a claim. This has been a headache of an experience. I can't believe I've wasted so much money on this business. Honestly, I believe most pet insurance companies are like this. If I'd been stashing that $380.00 per month I'd have enough saved to cover most emergency vet bills. I know they used to be good, now they'll do all they can to deny your claim. Do yourself a favor: create a monthly pet budget and open a savings account for that money. My premiums went from about $50 per month to over $110 per dog per month. After cancellation, I put away enough to cover an emergency surgery in 3 months. The customer service tries to sound sympathetic, but in reality, they're cynical and act oblivious. Right before cancellation, I sent in a year's worth of notes to establish the dog's UTI wasn't a pre-existing condition. At that time, I realized they were never going to cover anything. And they didn't disappoint. They denied every visit as a pre-existing condition. Remember, this was just for one dog out of 3.
Insurer: Healthy Paws
By: BK Rogers
Everything was so easy & smooth
Everything was so easy & smooth. The process was quick.
Insurer: Pets Best
By: Jaqunya
Prompt service
Prompt service, clear instructions, and great customer service when seeking clarity on how to file a claim.
Insurer: MetLife
By: Kristal Baker
The review
The review, response and settlement of my claim was very quick.
Insurer: Trupanion
By: Michael