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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Quick refund for a heavy expense vet…
Quick refund for a heavy expense vet bill. Got most back outside of the deductible. Best pet insurance company I have ever worked with. Love them.
Insurer: Pumpkin
By: Laureen
Insurance decisions made easy!
It was very easy to find the levels of care that I needed for both my senior dog and new puppy. The options were numerous and clearly explained to make the choices easier.
Insurer: Prudent Pet
By: AnnieW
Trustworthy insurance who stands by…
Trustworthy insurance who stands by what they promise. Thank you
Insurer: MetLife
By: customer
I had never used the insurance before…
I had never used the insurance before so I was pleasantly surprised that the Pet ER was able to get an approval instantly and refund my money I had paid on the spot. I didn't ask about using this until we had picked up our Pet, I only wished I had asked when I dropped her off. I also submitted invoices I had paid and the approval only took a day or two. Trupanion paid exactly what the policy said. The only thing that wasn't covered was an exam by the first place we went to which makes sense but it was still under the emergency care she was being given, not a regular vet exam. Overall very pleased with how it worked, how much was paid and would highly recommend for anyone's pet insurance. I hope I never have to use it again but if I do, I know I will feel well taken care of.
Insurer: Trupanion
By: Rebecca
Recent Claim Submission Experience
well, thus far, I've been successfully able to submit a claim via email, a big thing for this "technephobe". MetLife Pet processed my claim, and provided my "refund" (or whatever its term) in a timely manner! Thank you for that!
Insurer: MetLife
By: Leslie K.
Fair
Originally I have problem with my claim. After talking with them, it turned out to be a miscommunication and the claim was settled. Fair people, willing to listen. Recommend
Insurer: Embrace
By: Ronald Smith
Fair and expeditious processing
Fair and expeditious processing of claims.
Insurer: Spot
By: Angela
Claim Submission is a Nightmare
Whenever I have logged in to Pets Best and tried to submit a claim, their system in the last step says service is down and claims do not get submitted. This has been happening for the last 2 months, and it is very frustrating. I understand the site being down for some time for maintenance but almost for 2 months, thats unacceptable. I even tried to create a customer ticket for the same to which I got the reply that the site is under maintenance and we regret for the inconvenience. thats it. For 2 months, Its not acceptable. Moreover, the site is not accessible from other countries. Thats a shame
We got pet insurance with Truanion when…
We got pet insurance with Truanion when we got our Springer Spaniel in Ottawa and we were paying about $68 per month. About a year later our dog was diagnose with a incurable enlarge heart, thank good we had insurance. In October of 2023 we moved to Vancouver Island and our insurance went up to almost $90 per month and they said veterinarian cost was higher in BC. We compaired our cost from Ottawa and BC and our cost was less. Now we moved around the corner from were we lived and the insurance went up to $108 month. So I called them and they told me because we moved the cost is higher and I told them it was just a block away. Then after talking with them they said it was because of so many claims. I got the insurance so that I don't have to pay so much, is this fair??
Insurer: Trupanion Canada
By: Fred Lloyd
Is Nationwide really on our Side
Is Nationwide really on our Side? It doesn't seem like it. I rated 2 stars because in the past I had yearly surgeries for my dog because of recurrent skin cancer and reimbursement has been simple and fast. I have had a policy for 6 years for my dog and 2 cats, things have come up, its been easy. But now I have my back up against the wall, my newest cat (a stray who just showed up) had to have an expensive surgery right before his coverage started (credit card is maxed out now), then a couple weeks later a go at the emergency vet for urinary issues, he will now need to be on a special diet for the rest of his life, each 16 lb bag upwards of $140! This isn't a lifestyle choice, this is to prevent very expensive surgeries and/or death. They only cover $100 annually, that's IF you opt into it! The no prior authorization is disappointing, not all of us have a credit line of 5k to pay for surgeries. My dog needs to have more cancer removed along with a dental surgery - hopefully at the same time. I called and asked for a supervisor, hoping there was some way to offer a promissory note for my vets office based off of the quote received from my vets office. No sympathy, no compromise just "no's". If I could change my policy I would, but the world of pet insurance doesn't cover pre-existing conditions. My dog is 11. He has pre-existing conditions. I pay approx. $250 monthly from payroll deductions to call and get "no's". So based on my paycheck to paycheck income, I will end up having to split the surgeries - cancer and dental because that's what I can afford to put up front. This will end up costing Nationwide an additional surgery fee and all associated surgery costs. Not to mention, the risk of anesthesia for an older dog, for 2 surgeries. For something that saves them and myself money, how can the answer be no? I know based on past experiences with them that it will be covered minus deductible and the percentage. Are they unable or unwilling to review or escalate to someone who can offer something more than "no."? Nationwide isn't on our side. They are big business. 2 very different things. Change my mind.
Insurer: Nationwide
By: Summer Steward