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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Nothing is covered
I adopted a cat, Toast, through the local shelter and was able to provide a full health history for the Toast. Of the 3 time in a year and a half I took my cat to the vet, once for an ear infection, once for a check up, and once because of sudden and large nosebleed. I have been denied coverage, made to wait hours for answers, and told that these are preexisting conditions of Toast. What's the point of paying for insurance or having 8k over available funds if I can't use them when my cat needs them. He is literally waiting on a blood transfusion and insurance won't cover what it says in my policy it should. I am livid. I may lose my cat with available funds in my insurance watches. This is the most backwards ass company with no heart. Don't use.
Insurer: Embrace
By: Seth
No hassles & Very pleased
TruPanion Canada gave us no trouble when we had to bring our Chihuahua in for a wheezing/bloating issue. The vet had a few concerns regarding both and ran some blood work, x-rays, and performed a full exam. We have a top tier coverage from TruPanion, and though pricey on a monthly basis, it was worth it when we needed to use it. The claim was submitted and TruPanion approved it within moments, there was no hassles, no arguments, no run around's it was done which made it much easier on our pocketbook as a thousand dollar bill was halved. Thank you to TruPanion for the coverage you provide, our little pup is back home and were happy to know that she is getting the best care possible (and feeling better) for her thanks to TruPanion.
Insurer: Trupanion Canada
By: Jarrett
Good luck getting any sort of claim coverage
I would not recommend Trupanion to anyone. We have a French Bulldog who is now 5 and needed the BOAS surgery. Trupanion refused to cover it claiming it’s a “pre-existing condition”. Our vet fought them on this because there were no signs of this during her initial check up as a puppy but it’s a breed specific condition that can come up during their life so they still denied it. We went ahead with the surgery as she was having difficulty breathing and after some complications, she’s now fully healed, breathing normally and living a much better quality of life. Our vet has been fighting with Trupanion for several months and even Trupanions rep said it’s ridiculous not to cover this but low and behold, they have denied all of our claims. Our vet has exhausted all options and we’re left paying for a crappy insurance provider so we have “peace of mind” but they deny about 70% of our claims with some sort of excuse. Our premiums increase every year (with or without any claims). To top it off, they have told our vet that starting next year, they are going to “quietly” deny all claims related to a breed specific condition. Again, I wouldn’t recommend them. 0 stars if possible.
Insurer: Trupanion Canada
By: A
The best
When I first got Toast from the shelter, they said she was totally healthy—I just activated this special Trupanion offer for rescues that same day because I thought, "Well, why not?" I am so grateful for Trupanion. I've only had Toast for a bit over two years, and we've already been through surgery for mammary tumors, TPLO for a CCL tear, luxating patella surgery, testing and treatment for heart disease and liver disease, and more. She had a hard life before me (she's full of BB pellets and has some old injuries) and she deserves only the very best care now. It's not fair that she has to go through so much, but I am so grateful to Trupanion for helping me make sure she gets what she needs. They have saved me tens of thousands of dollars, and they've saved my baby's life and quality of life over and over (on a teacher's salary, there's only so much room on the credit cards). My only regret is that I wish I'd sprung for complementary care coverage for physical therapy, but that was me being shortsighted when I signed up. Anyone who has a dog should get insurance, and Trupanion is literally the best there is.
Insurer: Trupanion
By: A. Star
Good coverage and customer support
I am new to pet Insurance and wanted to cover our new week old chocolate lab puppy. I spoke with Jaqueline as my wife and I had a few questions. She was able to explain our coverage details, claim procedures and reimbursement time frames. Time will tell if Furkin covers us when we make a claim. I did feel that Furkins coverage was a nice balance between other companies which offered unlimited which seemed a little excessive and static limits which didn't seem high enough.
Insurer: Furkin
By: Tim
Easy and fast to submit my claim and get reimbursed.
Easy and fast to submit my claim and get reimbursed.
Insurer: Trupanion
By: An
Everyone has always been so helpful when I have had to call with a question.
Everyone has always been so helpful when I have had to call with a question. I also must add when my handsome English cream Golden Retriever required major surgery this past year, Trupanion was wonderful and impressive. No more soft dog toys for Rhett, as he eats/swallows them. Yikes! Never good.
Insurer: Trupanion
By: Sue
Love Trupanion !
I had to use the claim process several times over the past 6 months. I couldn't ask for a more user friendly experience. I completed the claim forms online and within days I was reimbursed. I also received emails/texts along the way letting me know the status.
Insurer: Trupanion
By: Randee
My sister has had to use her Trupanion insurance for her labradoodle several times.
My sister has had to use her Trupanion insurance for her labradoodle several times. This is my first time having to use it since I started with Trupanion 4 years ago and Brenda was so nice and helpful while I navigated the claims submission process. She was patient and kind and didnât try to rush me along to get to another call.
Insurer: Trupanion
By: Kristen