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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Submitting the claim was a simple…
Submitting the claim was a simple process and the response was prompt.
Insurer: Pumpkin
By: Liat
Very easy to use
Very easy to use Didn’t have to do anything my vet did it all
Insurer: Trupanion
By: Nancy
Our pets are so important to us
Our pets are so important to us, and MetLife Pet Insurance made it very easy to get them the coverage we want them to have. It brings us peace of mind.
Insurer: MetLife
By: james wason
Horrible!
I recently went through one of the most terrifying and stressful situations and had the misfortune of having Pets Best as my insurance company. First, they took well over a month to even confirm if they would approve or deny my claim. Which, in the instance of finding out my dog had cancer I did not have the luxury of waiting. I needed to move quickly on to the next steps of seeing specialists and get a treatment plan going. I have insurance to be responsible and elevate these stressful situations, but they did nothing but add to them. I was meeting with specialist and going over plans all with the added stress of wondering if this will be approved or denied. I finally find out that I was denied bases on "pre-existing condition". How can this be a pre-existing condition if he has never had cancer, and he has never been seen for "cancer like symptoms"?! Then when you call to speak with someone about the claim they give you no information other than you can appeal. I have never dealt with an insurance company that was so inefficient and untrustworthy. My previous insurance was quick, efficient, and easy to deal with. I would have stayed with them if they did not discontinue my plan in my state. DO NOT TRUST THIS COMPANY!!!
Insurer: Pets Best
By: Sarah
Pet's Best is best
I had an emergency with my dog. Expenses were growing and still ongoing and although I had insurance I worried about the claims process which I hadn't used yet. My expectation was that I would get the typical responses expected from any insurance company that very little would be covered. To my surprise the process was simple, no arguing on coverage and Pets Best held up their end of the bargain! I'd recommend them to anyone!
Embrace Pet Insurance A Partner Who Cares
Embrace Pet Insurance have covered my two sphynx since 2015 and I have been overall pleased with their service and the value for the costs. They have even been able to work with me when work required my extended stays overseas and my cats needed to be seen by veterinarians outside of the USA. My one recommendation for them to improve upon their service is to mirror the prohibition of holding Pre-existing conditions as against pets the way that human health insurance no longer is allowed to do that. Would make getting an older rescue pet much less risky. Especially if I wanted to take on a foster pup.
Insurer: Embrace
By: Wisdom of The Sphynx
The reimbursements have been very small…
The reimbursements have been very small with the last two vet visits. Description is cryptic
Insurer: Fetch
By: OLYMPIA lIO
Lifesaver
I had a Siberian Husky transfer over to Trupanion at some point in her early adult-hood because I wasn't happy with a prior insurance experience handling of my other Husky. At first, I was a little upset that she needed teeth extractions that counted as a "pre-existing condition" despite having spent a lot of out of pocket money to do annual anesthetic teeth cleaning for her. In the long run though, trupanion saved us money over time due to the comprehensive coverage with no annual payout limit. While some people are lucky to have dogs that never have cancer or require crazy surgeries, the chance increases as dogs get older and unfortunately we live in a world where just about everything causes cancer. Trupanion helped me make the right decisions to provide care my dog needed without having to worry too much about the financials. Of course, that's if you can afford the monthly premium -- but I do not regret the ease of mind it afforded me. After my pet passed, they canceled our plan for me without requiring me to deal with anything further. They care that their customers don't have to go through "peeling the scab," as I call it. Grieving is hard enough, and trupanion knows not to make it worse. It's a respectable company and I recommend trupanion.
Insurer: Trupanion
By: doghair
My dog had no Cartlidge in his knees he…
My dog had no Cartlidge in his knees he needed surgery. The surgery was close to $7000. The insurance paid 80% with no problem and I got the check put deposited into my account within three weeks. What a blessing.
Insurer: Pets Best
By: robin shaffer-jones