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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Great insurance, easy and quick claims
Have had this insurance for 2 dogs and had good experiences for all of my claims. Easy to submit online and they responded quickly . Happy so far!
Insurer: Lemonade
By: Chandra
Excellent Service
Was able to make same day appt with my vet for unwell doggy who had back pain and decreased mobility. The vet had my Trupanion info on file and. Submitted all claims etc directly to insurer. As this was my first time using my pet insurance I was a little concerned re: coverage, submissions, etc, plus worried about pet. Thought it was going to be a hassle. Turned out to be intervertrebal disc disease. After X-rays, bloodwork, etc. following treatment, pet vastly improved and on bed rest for next 2 Weeks. Trupanion paid then and there, that day their portion of the claim and I didn’t have to do a thing! So impressed with seamless and easy transaction. They kept me in constant communication. Very happy with both vet and Trupanion..
Insurer: Trupanion
By: Maureen
Spot is the worst. Do not use this company or any C&F funded pet insurance.
Spot Pet Insurance tried to commit insurance fraud with me and hid from over 30 emails to CEOs asking for help including CEO Trey and President Scott. I won a BBB complaint. Now Spot is 1) cyberstalking me to selectively remove all negative reviews about them on Trustpilot apparently, since they are slandering me and suggesting I am writing all the negative reviews which sounds extremely paranoid of them. How creepy is it that they scour the web trying to remove honest negative reviews? Who does that? 2) Not bad enough these dirtbags tried to get away w/ insurance fraud, in my opinion, they were sneaky, told the BBB they’d pay me and now are refusing to pay me unless I sign away all rights to say anything about them including posting honest reviews AND they are ridiculously wanting me to waive all rights to file anything against them “from the beginning of time”. They have not responded to those 30 emails, to my 2 emailed requests to reasonably modify the contract they sent and they are the scum of the earth. I have met others who feel similarly, many, and am so glad to be out of their clutches. Such thin-skinned bullies and thieves, this company is pure trash and cares so much more for money than animals IMO.
Insurer: Spot
By: Anon
Don't go without!!!
Game changer. We have 3 dogs, all of them have a plan with Healthy Paws. Recently, one of our dogs underwent a major surgery that was extremely expensive. Decisions have to be made quickly and cost is always a factor. However, that's why we got insurance in the first place. Healthy Paws covered 80% within about 10 days of the initial claim and continue to cover 80% of her medications afterwards. Their customer service is excellent and they genuinely care about your pets. We are so grateful for everyone at Healthy Paws. I wish human health insurance was this good!!
Insurer: Healthy Paws
By: Gina
Reimbursed as Expected
I had just got a new puppy, did my due diligence, reviewed several pet insurance carriers and decided Fetch provided the best for me and my budget. As required I submitted all her records including an initial vet check for overall health. A month after I got her she got her back leg caught in a chain link gate and broke her tibia growth plate. I submitted all the required documentation and approximately three weeks later received the expected compensation (less $300 deductible and 20% not covered). About six weeks later she went for her follow up X-ray and check up. I submitted the paperwork and as it was to an existing claim, reimbursement only took a few days. Overall, they paid out $6,000 without any hassle. Highly recommend.
Insurer: Fetch Canada
By: Anne
Worst insurance, horrible customer service
I paid $85 a month for this insurance. After spending over $10,000 in medical care, they have paid a total of $50. Even after my dog died, they tried to keep billing me. They take months to process claims. My dog died a month ago and I am still waiting for her final emergency visit to be processed. If you are adopting a rescue animal that isn’t in perfect health, they will exclude everything. Waste of money and horrendous treatment. Never using this insurance ever again.
Insurer: Pets Best
By: Rachel
Trupanion is a lifesaver, I recommend it to everyone!!
I signed up with Trupanion while my cat was still decently young and healthy, and I am so glad I did! As he's gotten older, he's started to have problems with his kidneys, requiring more and more medication, and now, regular subcutaneous fluids. Trupanion has been covering a huge chunk of the costs for what he needs, making it so much more affordable to take care of him. His base expenses are currently ~293.01/month CAD, but without Trupanion, that would be ~488.03/month. Trupanion has also covered huge portions of emergency vet visit costs, most recently, $413.44 towards a $679.38 visit. Without Trupanion, caring for my cat would have been prohibitively expensive. I appreciate that they essentially allow me to buy more time with my sweet little old man. I am recommending them to everyone I know, I seriously can't recommend them strongly enough. Every veterinary clinic I've been to holds them in the highest regard as well. If you're a person with a pet, sign up with them immediately!!
Insurer: Trupanion
By: Katherine
Good pet insurance
Very quick on claims. Very friendly customer service team.
Insurer: MetLife
By: Kelly
Metlife is a great choice
I was hesitant in getting pet insurance, but I'm so glad I did and even more ecstatic to learn how easy it was to file a claim with Metlife. The staff is very professional, helpful and the entire process was very quick. Glad I went with Metlife!
Insurer: MetLife
By: Sue
TOPL Coverage and Ease of Claim Payment
Our two rescue dogs have had a variety of issues the past year. Chewing into drug containers, rupturing leg joints. and dealing with a bad allergy season. Healthy Paws has been amazing. Always available to guide us with answers and explain coverages. And they truly care about the animals they are insuring. The entire group is professional and the coverage is excellent. They don't nickel and dime every claim. This is the way insurance should be!! Thank you Healthy Paws!
Insurer: Healthy Paws
By: Mary Connor