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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Claim reimbursement was without a flaw. There was no issue when it came to…
There was no issue when it came to submitting a claim and being reimbursed timely. Process was easy.
Insurer: MetLife
By: TINA
Very good customer service helping me…
Very good customer service helping me with getting all of the needed information for my claim. Received payment in three days of filing the claim.
Insurer: Fetch
By: Jan
Trupanion is a great pet insurance
Trupanion is a great pet insurance, It gives me peace of mind to know my little Angus can get treated if the unexpected happens.
Insurer: Trupanion
By: Roberta Hylton
Tanner diagnosed with Canine cancer.
When Tanner was diagnosed with Lymphoma canine cancer, I felt powerless. Never the less, Tanner loves me unconditionally and I'm going to take care of him. That's what a great dog dad does! Pumpkin pet insurance helped with fast estimates and claim processing. 5 Stars for them.
Insurer: Pumpkin
By: Michael Ruiz
Good communication
Though I was only partially reimbursed, the response was very quick and I appreciated that.
Insurer: Trupanion
By: Nancy Jessup
Always easy to file claims
After we submitted the information about the visit, we quickly heard that everything was all set. We received the money quickly directly to our bank.
Insurer: MetLife
By: customer
Buckeye was seriously ill
Buckeye was seriously ill, our vet was quite thorough. So there were several lab tests, and an over night in doggy CCU. As you can imagine the bill was also serious. Thank goodness for MetLife Pet Insurance. It took a couple back and forths to get all the paperwork to the right place. But once that was done the reimbursement hit my account, in plenty of time to pay the bill. Buckeye is well and I’m not broke. All is good!
Insurer: MetLife
By: customer
Not enough value/coverage for the…
Not enough value/coverage for the money. If I didn’t have French Bulldogs, who are prone to spinal injuries, I would cancel. No regular maintenance is covered. When my dog went to the ER because he was vomiting and couldn’t breathe (those were his symptoms) they treated them as separate issues and charged me TWO deductibles. When my vet noted a heart murmur on my other dog’s first visit they treated the later heart diagnosis as preexisting and didn’t cover his heart surgery. For me, Trupanion a necessary evil. But I will consider canceling if the premiums go much higher. EDIT: In response to Trupanion's note below: I reported his symptoms. The issue was that he was withdrawn from Prednisoe too quickly (in line with doctor's orders). Even after the ER doctors reached out to Trupanion and explained the situation, they refused to adjust their stance.
Insurer: Trupanion
By: ZoZo’s Mum
COVERAGE FULL OF LIES
COVERAGE FULL OF LIES! They say they cover then deny and add a false timeframe. Better off just paying out of pocket because you won’t get your money back.
Insurer: Trupanion
By: Shun
Rising Premiums and Pre-existing Conditions
Insurance premiums are rising, but don’t worry! Embrace sent me an email that we, the consumer, are in complete control. We can simply make the coverage worse and then we won’t have to pay so much. I can’t believe I didn’t think of it myself! That was sarcasm. Most recently, they have denied our pet’s care based on preexisting conditions. Our dog had a yeast infection in his ears confirmed on microscopy. He also happened to have an allergy to chicken-based food as a puppy which resulted in otitis externa. Now I am being told all dermatologic conditions are no longer covered as they are pre-existing conditions. If a dog has ANY kind of medical problem prior to obtaining coverage, then the ENTIRE SYSTEM of their body is no longer covered. Hives? Yeast? Cellulitis? Otitis externa? Otitis media? Heat rash? They are ALL not covered. The solution was simple: stop feeding him chicken. I get that if we feed him chicken, and he gets an allergic reaction, then don’t cover it! But denying an entire body system regardless of cause makes no sense medically. It makes sense financially, avoid paying out and then profit. It’s the business model for all insurance companies, for animals and for humans. Don’t be fooled. I’m also on hold for at least 30-45 minutes every time I call them. And before anyone suggests that we just seek other options and allow the free market to somehow magically provide us with a better deal, every other pet insurance company uses preexisting conditions as well. So, what we are left with is the coverage we have and the illusion of a choice in the matter.
Insurer: Embrace
By: Seth Jacob-Wagner