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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Scam
They approved a claim last year but I didn’t have the money for the deductible so I held off. Now my claim was rejected for the same procedure. This is due to them saying it has to be treated within 3 months. Thanks “Tru” panion. Nothing “tru” about you!!
Insurer: Trupanion
By: Mary
Easiest way to claim Ever!
I took my cat, glitter to her yearly checkup and got majority of the expenses back from lemonade!
Insurer: Lemonade
By: Abby
Some technical difficulties but besides that very easy!
5 starts except that the last two claims I submitted had an unknown error on the website and they could not be submitted to I had to manually fill out a claim form and email it in. Which is super easy, just annoying to go through the online process for it to not work. Besides that ASPCA has been great and well worth it.
Insurer: ASPCA
By: Tessa
Such a relief
Our dog was hospitalized 5 nights for severe GI issue. Thankfully he is home & recovering well, such a relief. I submitted his $8k bill online to Trupanion on Sunday (took 1-2 minutes to do so) & Tuesday morning my 90% reimbursement was deposited in bank. Seamless excellent insurance!
Insurer: Trupanion
By: Kathy
Claims are SLOW
MetLife will take up to a MONTH to process claims. And you can call in and try to get them to move faster; they will not. The service is not great. My advice is to go elsewhere.
Insurer: MetLife
By: LISA
Can't seem to expect much followup or professionalism
I purchased this plan through my employee benefits package at work. My cat had blood in her stool so we took her to the vet to be tested for Giardia and other parasites. After taking her to the vet, a claim was promptly submitted. The insurance was highly unresponsive. After what seemed a long time, I received an email from pets best stating that my claim process was delayed but with no specifics. They said nothing was needed on my part or they would reach out. Rather than finish the process, I received another email stating there was a delay and still nothing needed. A few days ago, I received an email stating the claim was denied because they didn't get info from my vet. So some guy in an office emailed and called a few times before throwing their hands up and giving up. That is unprofessional, and I will be looking into choosing another provider.
Insurer: Pets Best
By: Jared
Excellent
We have had no issues with our service so far. Claims portal takes a bit of getting used to but it is overall a very simple process.
Insurer: Pets Plus Us
By: Brittany
Awful Experience with Pets Best
I submitted an accident claim for my cat who was urgently seen for ingesting something. Pets Best didn't bother communicating to me during processing and took over a month to deny the claim. I even called customer service to ask what was taking so long and they indicated they needed ALL my cats records from the last year, despite me already uploading the SOAP notes. If I hadn't called i would have never known. I'm a new customer and not at all pleased with how they conduct their business. Poor customer service and they don't pay what you are covered for.
Insurer: Pets Best
By: Ellen
Fantastic pet insurance!
I have now insured two dogs with Healthy Paws and feel this is a fantastic company. When my previous dog got sick, Healthy Paws checked in on her and was fantastic about covering all her medical needs. And again with my newest dog, Healthy Paws has been covering his disc issues without any issues. They even cover chiropractic treatments and water therapy!! It is better than my human insurance!
Insurer: Healthy Paws
By: L
Refused Claim
Our 3 month old puppy had an episode of a possible seizure. The vet could not be sure what happened, but we thought we were going to lose her. The vet put her on an IV, gave her oxygen, did a blood test and dexamethazone injection. She stayed at the vet for 4 hours and she recovered. The cost totaled $578.85. We filed an insurance claim with Trupanion and provided the vet invoice along with the blood test analysis. Trupanion requested vet notes. We provided what notes existed and Trupanion denied the claim, they felt what was provided was not sufficient. I then called Trupanion to cancel the insurance. They extended my monthly payment due date to resolve the issue. Never heard from them and the extension passed and they charged me another month premium. I called again, for the fourth time and demanded they cancel the policy as they continued to try to stretch it out. Trupanion is unethical and not a business I would ever do business with. This was a totally legitimate claim and they kept saying they needed vet notes which I repeatedly told them they didn't exist. It is just their way of denying the claim.
Insurer: Trupanion
By: Ray