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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Saved us 15k
Trupanion is truly unmatched. Our dog had emergency spine surgery and the total costs were 21k. We paid $4500 total out of that inclusive of deductible. This surgery changed our dog’s life. The alternative was that she would likely be paralyzed for the rest of her life. Over the course of her life Trupanion has already saved us $30k. If you’re considering insurance for your pet please do it. Even if you don’t use it you’ll have peace of mind that it’s there when you do need it. Their support team is also incredibly quick to respond and their claim turnaround process is lightning speed compared to other providers. Thank you, Trupanion!
Insurer: Trupanion
By: Christina Piserchia
Claim issues
I have had this insurance for less than 1 yr on a pup I took in from a shelter in Mississippi. Estimated to be 12 yrs old so yes she has issues. I know all about preexisting conditions but when she has a uti or hemmorghic gastroenteritis, those are not preexisting and everytime I sent in an invoice for a claim I have issues. Mostly they need more info or medical records and I dont have any records prior to May 2 2025 even if she is estimated to be 12y/o. She was picked up as a stray so no info. I can’t give them what I don’t have so it takes several calls and resubmitting claim before they will start to process it. I am switching to healthy paws. Never had issues with them ever over 10-12 yrs I was with them. I was trying to get wellness coverage which healthy paws doesn’t cover but I’m done with them questioning every claim
Insurer: Pets Best
By: Sara Habis
Horrible
Horrible Paid for a year and my claims were never approved
Insurer: Embrace
By: Giovanni Sarmiento
My Veterinarian’s office submitted the…
My Veterinarian’s office submitted the claim and Trupanion was very prompt in confirming receipt and processing the claim. Reimbursement also very prompt
Insurer: Trupanion
By: Judy Sullivan
Seamless reimbursement
My German Shepherd starting having issues with allergies and digestion. The vet bills were covered and the reimbursement was seamless!
Insurer: Spot
By: K S
I am extremely disappointed and…
I am extremely disappointed and frustrated with Pets Best. I have been a loyal customer since 2022, paying premiums monthly for 4 years without a single claim for my two cats. Now that my cat finally needed surgery for Tooth Resorption—a condition that clearly developed recently—Pets Best has done nothing but give me the run-around for over two months. The lack of consistency is appalling. My EOB states "additional information is needed," yet I received an email stating the claim is "not covered." Which one is it? I have provided all medical records showing my cat has been healthy and asymptomatic for years. Medically speaking, if this were a "pre-existing" condition from 2022, it would have been impossible for my cat to remain healthy and pain-free until 2026. Their customer service is non-existent. I have spent weeks trying to get a straight answer, only to be met with contradictory statements and bureaucratic delays. It feels like they are intentionally making the process difficult to avoid paying a legitimate claim. I will for sure appeal, if this is not resolved immediately, I will be filing a formal complaint with the State Department of Insurance and taking my business elsewhere. DO NOT trust this company to be there for you when your pet actually needs help.
Insurer: Pets Best
By: Ethan W
Good quality service, though app is down sometimes
Site seems to be down fairly often, so I've had to come back to submit a few times... but claims process is easy beyond that and they've paid according to contract every time over the three years I've had them for our dogs.
Insurer: Pets Best
By: Dale Miller
One of the worst insurance experiences…
One of the worst insurance experiences I’ve ever had. Big promises in their marketing, but a completely different reality when you submit a claim. Denied claim, poor communication, and a lot of unnecessary stress. I am now filing a complaint with the State Department of Commerce and Consumer Affairs Insurance Division.
Insurer: Pumpkin
By: Maru P
I have insured 2 dogs with Figo
I have insured 2 dogs with Figo. It is really easy to submit claims. They are reasonable and esponsive. I will use them again when I get another pet
Insurer: Figo
By: Shasta
Looking for Peace of Mind for your pets?
One of our cats recently had some health issues that needed emergency care. It resulted in four Animal Hospital/Vet bills. The format for submitting the bills to Pets Best was very easy to follow and any questions we had were promptly addressed. I also liked that they would follow-up and keep us informed as to the status of our claims all the way to our reimbursement. Throughout the entire process, we were extremely satisfied with our experience with Pets Best. Their fees are very affordable and they know what they are doing. We give them our highest rating! Look no further if you are looking for Pet Insurance for your pets.
Insurer: Pets Best
By: Kevin