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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Pet insurance works!
Knowing my pet was covered by Trupanion took away what could have been very difficult decisions when she was injured or sick and needed expensive medical care.
Insurer: Trupanion Canada
By: Candace
Great Insurance!
I have been with ASPCA since I got Tosca and I have been so satisfied with their service over the years. Easy to make claims, never had to context any item. Highly recommended!
Insurer: ASPCA
By: Valentina
Fast and Efficient
Claim was explained in detail and was approved in a few days. Very happy with our service.
Insurer: Trupanion
By: Winston
Happy
I just signed up with Met-Life insurance for my dog and so far I couldn't be happier! Claims are easy to process and their phone support has been wonderful. I looked at many insurance companies before deciding on Met-Life.
Insurer: MetLife
By: edwin
Still the best pet insurance
As soon as we adopted our dogs from the shelter in 2015, I signed them up for healthy paws. Years before I had VPI which was a hassle with the mail in forms, the guessing game of what was covered and how much. I liked Healthy Paws for the straight forward 80% coverage without limits. Over the years we've used them, and I'd say most years it about paid for itself. I've always loved the simple claims process. You just take a picture of the invoice and upload it to the app. The direct deposit means I pretty much always have the reimbursement in my account within 7 days. We've always kind of thought one of our dogs might need surgery one day because she has bilateral luxating patellas. Instead, in 2022, our other dog tore her ACL and needed surgery. $5,000 plus $500 for physical therapy. Having healthy paws made everything so much less stressful and that I never had to hesitate to make sure she was getting the best option and not the suboptimal treatment. I was a little nervous because it was our first big claim and I assumed there would be some pushback. Not even a little. It was processed quickly like any other claim. I even got a separate email from them saying they saw the surgery come through and hoped Hendrix was healing quickly. They even covered PT for her to do aqua therapy. I think the pricing is fair and the policy is the most straightforward and logical. My sister's dog got Lymphoma and their pet insurance had a $2,000 annual limit for chemo. That's not exactly helpful when chemo is $6,000. And what's the likelihood of needing chemo every year (smh)? I do shop around just to see what new ones are on the market and I will continue to praise Healthy Paws as the best pet insurance. One other thing that comes up often is people glossing over them maybe because they don't have a wellness plan. You get pet insurance because you don't ever want to be in a position where you have to choose between paying the mortgage and your dogs life. Routine vet visits will not break the bank. There are so many low cost clinics and low cost vaccines for the day to day stuff. Annual exams aren't a surprise and so you can plan. Don't pay extra for a plan with "wellness" because more often than not, you could just pay that out of pocket for less. Go with an accident/illness plan for the unexpected. Like days where you give a dog a grape because your childhood dog loved grapes. Then your husband asks Alexa if grapes are safe for dogs, and she says, "Grapes are toxic and can be lethal of given to dogs. If your dog has eaten a grape, seek veterinary care immediately." So you drop everything to run to vet so they can induce vomiting and keep her overnight for observation and make sure her kidneys don't fail. (True story and Healthy Paws was great through that too.)
Insurer: Healthy Paws
By: Danielle
Very thankful to be covered by Trupanion
Trupanion approved and reimbursed us for our claims quickly. The online claim process was very easy and straight forward. We appreciate having peace of mind knowing if something happens to our family dog weâll have Trupanionâs support.
Insurer: Trupanion
By: Kayla
A company I have depended on!
Trupanion has been the best company to deal with during the illnesses of both my dog. I highly recommend them and would use them again should we decide to get another young dog. They have been quick to acknowledge any claims we submitted and also paid very quickly. They are the best!
Insurer: Trupanion
By: Sammye
Working with trupanion with all of jimboâs issue has been awesome.
Working with trupanion with all of jimboâs issue has been awesome. Am extremely happy we had chosen this as our pets insurance company. Thank you
Insurer: Trupanion
By: Charlene
Trupanion to our Rescue
Our Golden retriever, Daisy, was diagnosed with severe hip dysplasia when she was around a year old. It is bad enough to find out your baby is in pain without being faced with expensive vet bills. Being retired, I had protected Daisy by insurance her with Trupanion, to protect us from dealing with difficult decisions should an unforeseen sickness/accident. From the moment I submitted the estimate to payout, I felt cared for. So far Trupanion has covered over $18,000 .00 for us and has approved a further surgery for another 4500.00. Thank you Trupanion for being there for us and for making the whole experience easier.
Insurer: Trupanion Canada
By: Lucia