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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They apparently cover NOTHING.
I've been paying this company $57/mo for over a year. Today we visited the vet for a broken, infected nail. My dog is feisty and we had to sedate him to work on it. While he was sedated, I told the vet to do any and everything she could think of that's easier since he's already out. Because she gave him his allergy shot, Trupanion denied an $800 vet bill because they don't cover "allergies". WTF?!?! I didn't go for allergies. We did it because was already being sedated and allergies have nothing to do with an ear infection or broken nail. Unless you're an underwriter for Trupanion. TOTAL RIP OFF!!!!! I will be appealing and sharing my experience with the world.
Insurer: Trupanion
By: ktmarx
It is easy to submit claims
It is easy to submit claims. My only issue is that it hasn’t paid for itself over a year’s time.
Insurer: MetLife
By: Dorian Winslow
Great up until the claim site went down…
Great up until the claim site went down for a couple of days with no indication of when site will be available again.
Insurer: MetLife
By: Debra Lopez
Never had a issue with getting…
Never had a issue with getting reimbursed and the coverage been great
Insurer: MetLife
By: Joseph Deneutte
The turnaround time and promptness of…
The turnaround time and promptness of the claims is great. We lost our boy this week but will always remember how Healthy Paws took care of him.
Insurer: Healthy Paws
By: Elaine Gower
Should have signed up years ago.
The coverage was easy to understand and gives you multiple options. Sign up was easy and I like that it is a payroll deduction so I don't have to worry about making another monthly payment. We just went through a very expensive health crisis with one of our other cats and we wish we would have had insurance.
Insurer: MetLife
By: Lucia
Great claim experience
The claim was handled very quickly and accurately!
Insurer: MetLife
By: Judy N.
Everything is taking forever!
Everything is taking forever!
Insurer: Embrace
By: Jay
Spot Pet Insurance has denied my claim…
Spot Pet Insurance has denied my claim multiple times for “missing medical records” that do not exist and cannot be provided. My dog is a rescue I adopted at age 2, and I have already submitted every available record from the rescue organization. Each time I call, I’m told the notes will be updated — yet they continue denying the claim for the same reason. Meanwhile, my dog’s condition is worsening and needs surgery. I bought insurance specifically to be protected in situations like this, and instead I’ve spent months resending documents and getting nowhere. If your pet is a rescue without a full lifetime medical history, expect serious problems getting claims approved.
Insurer: Spot
By: Claudia Metzler
They are great with communication and…
They are great with communication and very quick on reimbursement. The coverage is reasonable and has been helpful in times of need. Knowing that your finiacially covered is one less thing to stress about during difficult times.
Insurer: Healthy Paws
By: NM