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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Filing is extremely simple and claim…
Filing is extremely simple and claim processed quickly. I emailed invoice on a Friday and was reimbursed Tuesday.
Insurer: Healthy Paws
By: Cheryl Daniels
Thank you for your prompt response!
Quick response time! Thank you for your help with the prompt review of my claim and reimbursement! It was reassuring to know that Healthy Paws was there for me and my dog so that I could focus on her treatment and recovery.
Insurer: Healthy Paws
By: AH
Souris
Easy to navigate. Prompt response on claims. prompt payments on claims.
Insurer: MetLife
By: customer
Almost cancelled my policy
I had actually called to cancel my policy. My dog has been diagnosed with a heart murmur and I was frustrated that my vet would have to do the procedure, I pay, then file a claim. My fear was that the fetch like many other companies would fail to honor my claim for some lame reason. Gerrone talked me out of cancelling. He told me I could submit to my vet a pre-approval form where they would describe problem and the actual procedures and care to be given. I would then submit to fetch for pre-approval of procedures taken. Ensuring ultimate reimbursement of claim. He also corrected some misconceptions I had concerning the deductible. He was very calming and patient. Gerrone is one of the best by phone representatives I have ever encountered from any company. It was not only a pleasure talking to him, but I felt my issues had been entirely and completely addressed.
Insurer: Fetch
By: Richard Brown
Easy to submit claims & pretty fast…
Easy to submit claims & pretty fast returns.
Insurer: Nationwide
By: Wendy
Use to think they were the best pet…
Use to think they were the best pet insurance company and was a satisfied member for 9 years even though the rates continued to climb to almost $200.00 per month. My dog has had numerous medical conditions throughout the nine years and they alway made a quick settlement of payment. For nine years I protected My dog with a 250.00 deductible at a return payment of 90%. Upon renewal of my policy I was informed that they would no longer be covering my at the current rate changing it to a 500.00 deductible per year and a payout of 75%. They told me it was because the State of Florida would not permit the continue my current 250.00 @ 90%. Oddly they still offer that policy coverage in the State of. Florida. Beware that they can change the coverage to meet their needs . They were once the best but now I would advise everyone to stay clear of this company. The changed my policy knowing that I couldn’t switch to another company due to my dogs now pre existing conditions.
Insurer: Healthy Paws
By: Richard Marchese
Continued Disillusionment With Figo
On May 22, I called Figo after they responded to this review (below), asking me to call them so they could try to help fix this situation. The Figo customer service rep knew nothing about my situation or about Figo's response to my review below. LOL What a waste of my time. Their request for my call was merely an automated prompt. Not surprising. After having dogs for 25 years without pet insurance, I became a new Figo customer and was excited to have extra protection if we needed it. Figo quickly rejected my first claim, made about five weeks into my insurance, which was for treatment for a hot spot, because my vet erroneously wrote in her office visit notes that I had mentioned seeing a spot on my dog's cheek two weeks before my visit. What I had told the vet was that I had seen a spot two days before my visit during his bath time. However, it looked like a small healed-up sore of some kind, until two days later, it appeared red and expanded. Thus, I promptly made an appointment with the vet that same day. Notably, my dog's records show NO call to the vet two weeks before the visit in question and NO visit as well. For all anyone knows, even if I had seen a spot on my very outdoorsy, active Golden Retriever, it could have been something else non-related. The vet's notes say nothing about any evidence that my dog's hot spot was related to "a spot" (no other description given) from two weeks prior. She indeed has no evidence to prove so, as the records indicate. However, since the claim that I said I saw a spot two weeks before my visit falls within the Figo "waiting period" of three weeks from purchase of insurance, Figo has decided to reject my claim under the category of a pre-existing condition. This is wild to me since even my veterinarian cannot prove there was a pre-existing condition, nor does she necessarily claim there was. I am new to the pet insurance world after having dogs for 25 years. I am beginning to wonder if I made a bad choice with Figo. I am a Costco member, so there is a deal with Figo, but paying an extra monthly bill for insurance that is going to look for excuses to not pay when I have a claim is not what I was signing up for when I decided to try out pet insurance. Disappointed.
Insurer: Figo
By: Lauren
Super fast review and approval of the…
Super fast review and approval of the claim. Over $12,000 was deposited in to my account within two days of filing the claim.
Insurer: Healthy Paws
By: Scott
Trupanion is a poor choice…
I have had a policy with Trupanion for 11 years sometimes covering 2 dogs sometimes one. We have never submitted a claim. We moved from SC to Northern CO and got another puppy. While inquiring about coverage for our puppy I was told that the cost for our two year old Golden tripled because of where we moved to. Keep in mind that we carry a $1000 deductible. Needless to say we shopped and found that Lemonade would insure both the puppy and the two year old dog for $25 less than Trupanion asked for the 2 year old alone.
Insurer: Trupanion
By: Steve
Peace of Mind
Very easy to file claims and fast to process. It gives me comfort to know I have help to take care of my fur-girls. Trupanion provides peace of mind in my cats care.
Insurer: Trupanion
By: Stephanie