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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Poor Customer Service and Claim Processing
I submitted a claim on my cat Barney in January of 2023 and it is now May and the claim has still not been processed accepted and/or denied. The claim was escalated multiple times by customer service reps with no results or any promised follow-up. This has been the worst experience I have ever had with an insurance company of any kind. Since this pet insurance policy is like having no insurance at all, I went ahead and canceled my policy.
Insurer: Healthy Paws
By: Jeff
Latest 1 comments
Jeff, We’re sorry that your customer service and claims experience did not meet your or our expectations. We will be following up with anyone that has worked on your account to ensure that we are all on the same page regarding interactions with our valued pet parents and the processing of their claims. Your claim has been completed and you should receive an Explanation of benefits in the next 24-48 hours. We're sorry to lose you as a policyholder. We hope you and your pet stay well. The Healthy Paws Team
All around outstanding service!
My husband was in the hospital in January for a week. I had to board Kane during that time. The policy covered all of the expenses. Whenever I call customer service every one of their employees is kind and very helpful. Keep up the great work!! Best purchase I have ever made for Kane.
Insurer: MetLife
By: Kim
Started well, but not a very good long term insurance
When I adopted my dog, I got PetsPlusUs from the breeder. I must say, I was in love with the insurance the first year. I paid the most complete coverage. They were fast and cordial in the reimbursements. Last year my dog had to undergo surgery due to 2 canine extractions. That's when I first understood the plan wasn't complete as they sold. 4k cost went from my pocket. In the same year, I tried to add dental with them, and they didn't have it. I mentioned I would need to have a dental for her or cancel the policy. Basically, I heard that "up to you if you want to cancel the policy and lose the pre-existing coverage". That was when I felt this whole scheme of good and fast reimbursement also meant getting you stuck with bad long-term service and coverage. Today I discovered that they do not accept dual insurance, so the dental coverage I got elsewhere for my dog will need to choose either to stay with them or leave. All this because I informed them I had already received reimbursement from another insurance plan and they didn't have to fully reimburse me. Long story short, if you have a chance to find another insurance plan, run a move away from them.
Insurer: Pets Plus Us
By: Eduardo
Submission
Ease of submission, quick payment, friendly service
Insurer: Trupanion Canada
By: Linda
The best of the best! Forever grateful!
Iâve been with Trupanion now for 5 years and I have had nothing but excellent experiences each time I had visits to my veterinarian! So happy that we chose Trupanion right from the beginning when our boy was only 8 weeks old!
Insurer: Trupanion Canada
By: Lisa
The most convenient insurance
My dog is 9 years old, and every time he gets sick and fills out the form, he gets a response immediately, and basically gets money from the company soon.
Insurer: Trupanion Canada
By: Helena
Review
So far I'm pleased. My dog has a condition that requires her to be on medication and special good. I am sorry that the food isn't covered.
Insurer: Trupanion Canada
By: Sherry
Easy to file a claim
It was incredibly easy to file a claim. All I had to do was tell my vet I have Trupanion and they took care of the rest.
Insurer: Trupanion
By: Chelsea
Easy Peasy. Both my dogs have Trupanion!
Very timely and easy
Insurer: Trupanion
By: randi
Terrible Insurance - Avoid at all costs
I experienced the same frustrations and failures of service that many, many, many other customers have experienced with Figo Pet Insurance. It is amazing to me that, having had so many complaints about the same issues, over and over again, Figo continues to act in a purposefully misleading manner and continues to fail in providing customer service. First, “pre-existing condition” seems to mean “your pet was alive when you got this insurance” and they simply flat out refuse to cover any medical issues at all. I have attempted to make 3 completely justified claims, all clearly allowed by my policy, and Figo has given the same reason for denying my claim all three times: not allowed due to a “pre-existing condition.” The key example is that my dog had to have two teeth removed, $1,300 for each tooth, for a total of $2,600 in fees. My insurance has a $1,000 deductible, so I was assuming I would get $1,600 back. I submitted my claim and, within a few hours, received my rejection due to “pre-existing condition.” Figo indicated that a vet examination (WHILE my dog was covered by insurance) identified a fracture on ONE of the teeth, but not the other. IF I am willing to accept that this one tooth wasn’t covered (due to the vet identifying a “likely carnassial fracture,” even though my dog was still covered by insurance), then the other cracked tooth SHOULD be covered since it was NOT identified by the vet during the previous exam. Yep, you guessed it, Figo rejected my claim for BOTH teeth, citing the vet report. Basically, my dog was not covered for ANY dental emergency of any kind because he had ONE problem with ONE tooth previously. An absolute joke, and a clear case of fraud. After multiple attempts at communication with Figo customer service, they essentially just copied and pasted the same response back to me…ie… “pre-existing condition, pre-existing condition.” FIGO insurance will make every attempt to refuse a payout if they can and will use “pre-existing condition” as the excuse. This insurance is a complete waste of money; not only am I out the money for my pet’s treatment, I am also out the premiums for this 100% useless pet insurance. Read the reviews online carefully and you will see the complaint over and over again. FIGO pet insurance does NOT payout, they look for any reason to claim “pre-existing condition” and then reject your claim.
Insurer: Figo
By: Scott