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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Healthy pets came through big time…
Healthy pets came through big time thank you.
Insurer: Healthy Paws
By: Bareket Minuskin
Excellent response
It's so easy to submit the claim through the site. and get reimbursement. I submitted the claims and was reimbursed the same day within a few hours - excellent response!
Insurer: Healthy Paws
By: Davina
Not long after getting the insurance we…
Not long after getting the insurance we had an emergency with Takito. No hassle claim processing and payment. That’s number one. Number two. Having that peace of mind you have coverage in an emergency situation gives you options that may not be there otherwise. Did it cover everything. No. Did it make it manageable without breaking the bank. Absolutely.
Insurer: Trupanion
By: Benji Swindle
Okay, but not great 🤷
We've been with Spot for over 2 years and had other pet insurers previously. We switched because of a discount provided through an employer. What we like about Spot is that they have an easy claims process that you can complete through the app with 3 questions (type of service, full invoice amount, upload documents). There is no notes/details box so you truly need a fully itemized invoice that spells everything out for them. Customer service is friendly, but not always helpful as they don't re-review claims or accept appeals, only re-iterate what is seen on the documents you provided and go over what the EOB says, and the 800 number is the only avenue to contact them. They allegedly have vet reviewers for claims, but have fully missed "keyscreen" as a fecal test (quick search engine query of 'vet keyscreen' shows this) and don't itemize their reimbursements so you need to know your coverage to double check the math. The preventive care reimbursement annual limit amounts are a joke. You're likely better off paying out of pocket for those services and saving the additional premium $ Overall, the general coverage/reimbursement system does what it needs to and is usually frustration free, they offer several coverage options, easy navigation of the app and direct deposit of payments, and tends to be on the cheaper side for premiums compared to comparable coverage with other pet insurers. However, we would not have made the change to or stuck with Spot without the employer discount, find the preventive care options to be lacking in both coverage and reimbursement amounts, and have considered switching back to a previous pet insurer because of quality of customer service/hassle with missed things on claims.
Insurer: Spot
By: Kole White
Just the best
Just the best. It’s an investment in your pet. When my dog developed a seizure disorder Trupanion covered 90% of everything after the one time deductible. Spectacular. Customer service is old fashioned. Real human beings who pick up the phone right away and actually handle your issue in the moment. When we got our new dog, despite all the new pet insurance companies that have sprung up since we first got coverage for our old dog 13 years ago, we went with Trupanion again. They’re reliable and everyone I ever spoke with over 13 years was kind. They’re doing work they love for the pets they love.
Insurer: Trupanion
By: Christine
When my 1 yr old puppy had a bowel obstruction
When my 1 yr old puppy had a bowel obstruction last night, I didn't have to worry about the cost of the emergency surgery. The emergency animal hospital billed Trupanion directly and I just covered the co-pay, deductible, taxes and exam fee. What a relief! My heart bleeds for a couple at the animal hospital who didn't have insurance and had to take their very sick dog home because the cost for treatment was more then they could bare. My dog, thankfully was insured and I knew that whatever the cost of the surgery he would be treated. Thank you again for helping me through the worst night of our lives!
Insurer: Trupanion Canada
By: Liz
Fast response after sending claim
Fast response after sending claim
Insurer: Spot
By: Sally Florendo
SPOT Delivered on Their Promise
I’ve had a great experience with SPOT Pet Insurance. Recently, my senior rescue cat needed a treatment that cost several thousand dollars. I submitted all the required records, and once SPOT received the documentation, my reimbursement was processed without any issues. What I appreciate most is that SPOT has not raised my premiums because of my cat’s age, unlike some other pet insurance companies. One company I contacted wouldn’t even cover pets over 13 years old. The condition my cat was treated for developed after she was enrolled, and SPOT honored the coverage as promised. The claims process was easy, the reimbursement was fair, and SPOT has not disappointed me. I highly recommend them to other pet owners.
Insurer: Spot
By: Nathalie Hoarau
Denied cancer care over an unrelated old lump—policy feels like a scam
I have accident/illness care for my French bulldog. A couple of years ago, he was treated for a minor left eyelid mass. Recently, he developed cancer in his right EAR—the complete opposite side of his body and an entirely different body part. Pets Best denied his diagnostic and cancer care, claiming it is a "pre-existing condition." Their policy is written so that if your pet has a single mass removed anywhere, every single mass that occurs for the rest of their life is automatically deemed pre-existing and excluded from coverage. This loophole is devastating when your pet actually needs cancer treatment. It feels like a giant scam designed to avoid paying out when it matters most. Potential buyers beware.
Insurer: Pets Best
By: Brianna Newhart
Broad coverage
Broad coverage, vet recommended, website user friendly,
Insurer: MetLife
By: Gracie's Mom