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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Pet Insurance is saving my dog from a painful life
My previous dog had cancer. I didn’t have insurance and had heard that it wasn’t worth the money. I spent all of my savings on chemo for him. When I got my new dog I was afraid she would get cancer one day and I would not be in a financial position to pay for it. I never wanted to be in a position of putting my pet to sleep because I didn’t have the money for health care. My vet recommended Trupanion and I chose a 1000 dollar deductible to keep my premiums down. I thought that I would be able to cover vet costs unless she was hit by a car or ended up with cancer when she was older. My new puppy seemed happy and healthy until she was 5 months old and I noticed she limped after a busy day. She also started to have a problem with yeast in her ears. Now my dog is 20 months old. Her ear problem has continued and I have now spent more on her vet care for her ears than my deductible. While it is nice that costs associated with her ear infections is covered now, I could come up with the money to pay for it. Her problem with limping, however is a different story. My beloved dog Calabaza has elbow dysplasia in both front legs. Without Trupanion I would not have been able to pay for the CT scan that was required to confirm the diagnosis and plan the course of treatment let alone pay for the treatment. Without treatment my beautiful golden retriever would suffer from arthritis as her elbow joints disintegrated. As a pet owner who considers her dog a member of the family it would have been devastating to have to decide between helping my pet or financial ruin. Luckily, I don’t have to make that decision, thanks to the Trupanion policy I purchased. I am so grateful to have Trupanion. Within minutes of the specialist vet telling me Cala needed a CT scan I received an email telling me what Trupanion would cover and how much my portion would be. My dog is having surgery in a few days and I can spend my time deciding how I will manage her aftercare instead of trying to find a way to covèr the cost. Thank You Trupanion!!!
Insurer: Trupanion Canada
By: Jeanine
Great Company
I’ve had Healthy Paws insurance on 4 of my dogs over the past dozen years. They remain consistently great to work with. Claims are processed quickly, it is very easy to understand coverage, and I don’t ever find myself fighting to get a claim paid out. I got a new puppy a few months ago and didn’t think twice about immediately enrolling her with Healthy Paws. When she needed emergency treatment a few months later, I didn’t have to consider cost at all. Sure enough, Healthy Paws paid the claim within a week. I highly recommend this company!
Insurer: Healthy Paws
By: Zach
Amazing! So happy with Healthy Paws!
Healthy Paws was wonderful. My 4 year old havanese/yorkie had to have major back surgery. I of course was devastated. The surgery went well thankfully, but I was left with a large bill. I submitted my claim to healthy paws and was notified immediately the claim would be worked on. Then right after that it was in process. 2 days after that it had been finalized. They were so fast, I couldn’t believe it. A week later I had the check in my hand. They were truly great! So fast, so efficient. The whole claim process was so easy. They even checked in to see how my dog was doing. Highly recommend! So thankful I had Healthy Paws as my insurance provider during this difficult time. If you are looking for pet insurance, Healthy Paws is the way to go! They were great!
Insurer: Healthy Paws
By: Angela
Trupanion is Amazing
I purchased Trupanion recommended for my 10 week old puppy 9 years ago. Sadly she recently developed a serious disease. Trupanion has been outstanding. They virtually approve invoices in 2 days and direct deposited into my account within days. People health insurance should work as quickly & efficiently as Trupanion. I have never been as impressed by a company as I am with Trupanion. Thank you so much for being there for us during this difficult time.
Insurer: Trupanion
By: Kathie
Miss Scarlet
everyone was wonderful, the clinic was in touch with our insurance in a timely way and our reimbursement was forthcoming in time to pay a large vet bill. We could not be more satisfied! thank you
Insurer: Pets Plus Us
By: vicki
Trupanion Took the Stress out of a Very Stressful Day
What can I say. I signed up with Trupanion hoping I really would never have to use it. They are simply the best company and true to their word. They make a stressful time a little easier with their stellar customer service. I didn't have to deal with upfront payment or submitting claims. It was all done by the Vet office and the invoice was paid before I even picked up my dog from surgery. Thank you Trupanion 🩷
Insurer: Trupanion
By: Rondi
Reimbursement Amount
Thought the amount of reimbursement would be more.
Insurer: MetLife
By: Nathaniel
Denied
Submitted claim and it was denied. Submitted same claim again, denied for a different reason. Three times denied. Went to ER vet (was out of town) pets best wanted all previous records from this ER vet. It was the 1 an only time there, denied. Over 6 grand out of my pocket ... pets best 0$
Insurer: Pets Best
By: Kristine
Many great years of easy excellent claims, very grateful
I have been a customer for over a decade. The process to file claims has always been fast and easy. Repayment has always been pretty quick (a week is slow for them). What is really remarkable is how easy things were when going to multiple vets to discover my dog has cancer. The expensive tests and procedures to determine them at one vet, radiation therapy at another vet, and chemotherapy at another vet. All of this was easy to file and reimbursed without any fighting. It is to be noted all this cancer treatment has not been cheap (over $20,000 at this point and still ongoing) and would have been really hard to take care of my dog. I wish peoples health insurance was as good and easy as this. Over the years too my dog has had other issues and as promised the rates have not increased due to incidents.
Insurer: Healthy Paws
By: Nicholas
100% the best
My doggo Fenrir has chronic conditions Trupanion covered EVERYTHING! 90% When they say they cover 90% they mean it. Filing claims is so easy if you have any issues Customer service is superb. They will file claims for you. Reimbursement is quick. I have bought medicine, filed the claim and got a reimbursement back within 48 hours. It's amazing. Also my veterinarian referred me to Trupanion.
Insurer: Trupanion
By: Deborah