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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Came through for us
Came through for us! Easy claim experience.
Insurer: Spot
By: Mirela Carbone
Very disappointed with Figo.
Very disappointed with Figo. I purchased insurance for my pets expecting reliable support, but instead I’ve faced constant refusals and shifting explanations. 1. First denial: I was told that “the first month isn’t covered,” even though this was never clearly communicated at the time of purchase. 2. Second denial: They claimed that because my cat is not spayed, any health issue is automatically considered a consequence of that. 3. After that: Every single claim has been dismissed as a “pre‑existing condition,” regardless of the situation. The most absurd case was when my cat jumped off the couch, twisted her leg, and her paw became swollen. A simple injury that needed attention. Pet Claude refused the claim, stating that she “has cancer and they won’t cover it.” My cat has never been diagnosed with cancer. This was just another excuse not to provide coverage. This company seems focused on avoiding payouts rather than helping pets and their owners. Constant denials, contradictory explanations, and a complete lack of accountability. I do not recommend Figo.
Insurer: Figo
By: Iryna Denysenko
Very quick & easy to set up online.
Very quick & easy to set up online.
Insurer: Nationwide
By: Debbie
Refuse Dental Claim
We insured our 8-year-old Shih Tzu, Bubble, with Trupanion for almost two years and had never made a claim. When Bubble needed dental surgery, Trupanion initially partially pre-approved the procedure, acknowledging that only one tooth was pre-existing and indicating the rest could be covered with proper documentation. After surgery, the vet confirmed that only one tooth was pre-existing and the other four extractions were new, medically necessary findings. Despite providing the paid invoice, proof of prior insurance cancellation, and veterinary confirmation, Trupanion reversed their position and denied the claim. What started as a partial approval turned into a total denial after the procedure was completed. For a first claim after nearly two years of coverage, this experience felt misleading and deeply disappointing. Will update if there are any changes to the situation but at the moment, I do not recommend trupanion for your pet, it has been a pain dealing with trupanion.
Insurer: Trupanion
By: Justin
My experience has been positive
My experience so far has been nothing but positive. Claim was approved and paid in a very timely manner. I have had emergencies before I got insurance and that can be a nightmare. I’m at ease knowing my fur babies can get the care they need whenever they are sick or injured
Insurer: Spot
By: Teresa
Delaney was very helpful in updating my…
Delaney was very helpful in updating my cc info and answering some questions I had about submitting claims.
Insurer: Prudent Pet
By: Ladyjaol.com
Trupanion over uses the "pre-existing…
Trupanion over uses the "pre-existing condition" clause. They refused to cover any GI related issues for the rest of her life because we reported vomiting during our first vet visit after picking her up from the rescue. The vomiting was due to anxiety etc from being in a new home and no underlying "condition". Later in life she developed pancreatitis and this was not covered. Similar issue with my other dog who had a slight heart murmur when we first adopted. Any treatment for high blood pressure, heart failure, cardiologists etc was not covered. In addition the percentage of expenses they paid on covered issues shrunk dramatically over the 13 years we have been using them. Stay away. I will....
Insurer: Trupanion
By: hipshake
Wonderful experience
Wonderful experience! My dog’s claim for an unexpected illness was paid in fewer than 10 days! The premiums are reasonable and the policy is very generous! Love this insurance!
Insurer: Spot
By: Anonymous
Work on app desperately needed
Pet's best really needs to work on their app and being able to upload invoices for claims
Insurer: Pets Best
By: Darlene