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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Trupanion Has Your Back
Trupanion is a fabulous insurer. I run out of superlatives to praise this company. Trupanion insured both my dogs since the were 12 week old puppies in 2016. I cannot think of a more responsive company. They prepaid every covered procedure my dogs had, and there were a lot. They covered multiple prescriptions usually within a day. The direct deposit feature is terrific. Trupanion also has fantastic customer support. Finally, Trupanion demonstrated compassion and care when I lost one of my pets in 12/25. To top it off, Trupanion planted a tree in Kenya in memory of my cherished departed pet. You cannot go wrong with Trupanion.
Insurer: Trupanion
By: Judith
10/10
Easy process. Great coverage options. Affordable prices. I compared to other pet insurance options and this was definitely the cheapest, even without my employers 10% discount. And the cost automatically deducts from my paycheck. What a win!
Insurer: MetLife
By: Julie Smolenski
Great in Emergencies
I have had some unfortunate emergency situations come up with my cats and each time spot has come through for my cats and me. Best decision I’ve made so far.
Insurer: Spot
By: Stephanie Marin
Quick and easy
Very fast turn around even with the holidays.
Insurer: Fetch
By: Kimberly
Thank You ASPCA
Today I received a letter of condolences from the ASPCA Pet Health Insurance on the passing of my dog Tanner. While I was extremely touched, I was not surprised, because they have been an incredible company. My girl (Cane Corso) had a series of issues as she aged, and ASPCA covered all of her care - from a custom leg brace, to chemotherapy, to acupuncture, to her final cremation, when the time came. I KNOW that Tanner had a longer quality of life because of the care that she was able to receive. I highly recommend this insurance.
Insurer: ASPCA
By: JD Caldwell
When going through a scary time with…
When going through a scary time with our pup Giovani- we had the comfort and security knowing a good portion of his care was all taken care of. Thank you for offering such a seamless comfort!
Insurer: Trupanion
By: Katie
They only want your money, they do NOT care about you or your pet
As a new parent to an 8 week old corgi, we took her to the vet for shots. Over the course of taking her for her shots we mentioned that she had diarrhea once and threw up once (not at the same time, multiple days apart) Nothing crazy and the vet did not seem to care. This was in September Fast forward to the middle of December and she gets Parvo, we take her to an emergency vet since she is throwing up and has bloody stools. We then take her to her normal vet 3 days later with the same symptoms. (Thankfully she is doing great now!) When we went to file a claim on Pumpkin they said since she pooped and threw up once in September that the Parvo she had in December was a PRE-EXISTING condition! They claim it is the same symptom and has not been 180 days! They ignore the fact that the stools are bloody, and that she had PARVO!? They do not care about you or your pet, they only want your MONEY!
Highly recommened
My dog was diagnosed with a tumor in his small intestine and on his liver. Pets best has given me the emotional help knowing that I van do what I need to in order to get him back on the road to recovery. They have been amazing, extremely helpful when I have needed to reach out, and claims are usually quick. I have recommended them to people I work with. They are great.
Scam operation, do not do business with them
I have been paying their premiums for almost two years, my dog thankfully is in good health. I had a minor emergency that required him to go to the after hours vet hospital, paid my bill and submitted it to get my claim reimbursed. I tried for several days to upload via the app, with no luck, then thru the website, could not upload the claim. Finally they gave an e-mail in which I could upload the claim and they would then proces it. I waited for about 3 weeks, when suddenly an automated e-mail came into my junk files stating that the claim was denied. I now know that they are a scam and not legit. I cancelled my policy with them, opened up a savings account and do monthly deposits into that account to cover vet bills should I need to.
Insurer: Pets Best
By: Alan
Horrible Company
This is my first time having pet insurance and I joined a few months ago. I am already regretting joining. You guys need to work on your response time and actually looking at claim information properly. I sent this email weeks ago after not being able to reach anyone and still no response : “I don’t know if this is your official email or not but I am reaching out to you this way since all of a sudden your chat is unavailable and when I tried to call the Claims department my call was hung up. I just recently became a customer of your business but after dealing with your app and how you do your claims for the past months. My claims keep getting denied for no legitimate reason. The first one (# 10969752) they claimed didn’t have enough information but I uploaded all documentation about that appointment, and then even though your own chat agent Edna looked at it and sent it for review because it didn’t make sense you guys have the nerve to send me a incomplete claims notice. And then the second one (# 11157795) they are saying isn’t even covered because my policy does not cover taxes.There is no way you actually think over $200 in taxes were paid especially when there is a document attached with the breakdown of the 214. This is absolutely insane and clearly I need to get a new pet insurance. As I said in the chat previously there would be no breakdown of the services I paid for which were the Simparicatrio and the bordetella vaccine. Which might I add or covered by my policy. The charge on the receipt literally says non tax. Please stop pushing off my claim without actually looking at it, it’s exhausting. The way you guys are operating is unsettling and if my claims are not able to get a proper resolution instead of a mediocre review then I need a refund for last months payment of the so called insurance and my account closed so that I can find a different pet insurance company. I see no reason for me to pay for services you do not want to provide.“ I will keep reaching out to get my account canceled and a refund for this scam. Ever since I chatted with an agent whenever I go back into the chat no matter what option I choose it automatically says that chat is unavailable and when i call to get to claims i get hung up on. Insanity.
Insurer: Pets Best
By: Casey