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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Scam
ASPCA pet insurance is a complete scam, and I hope I can forewarn fellow pet owners. I took my cat to the vet, he was diagnosed with a UTI, and the bill was quite expensive. He had never had a UTI before. This was the first time he had ever been sick, and certainly the first he had ever been diagnosed with anything at all. But because a note from the vet, 5 months ago, mentioned that he was drinking a lot of water, they decided that this was an early symptom of a UTI, and that it was therefore a preexisting condition. Long story short, if your pet has ever been to the vet before, for any reason at all, including for an annual physical, they will pretend that whatever illness they later develop is a preexisting condition and they will not cover one cent. I wish I’d known this before paying hundreds of dollars in monthly premiums.
Insurer: ASPCA
By: P
Don't want to reimburse you, then play stupid when you've already explained yourself/ submitted what they're asking for.
PetSecure continuously insists that I haven't submitted XYZ document(s), and therefore they can't process my claim, despite the fact I have already thoroughly explained that they already have all the documents I have; there are no additional documents, but no, apparently I'm just refusing to submit them. Apparently the explanation that my pet had only been to the vet once before, that we have record of, because the vet is expensive and not something you go rushing to do when you're tight on money, but when we decide to get insurance for him because we can afford it now, suddenly there's a problem... You had no problem taking my money though, isn't that funny. Don't get PetSecure if your cat isn't young and freshly adopted. If you don't have a box of paperwork to tell them what your cat's been doing from birth until now, they'll drag their feet to reimburse you what you're owed while insisting it's YOUR fault because YOU haven't submitted what they need. It seems like their customer service team is paid to be ignorant and act like they can't read, because people will give up and stop fighting if they play dumb enough.
Insurer: Petsecure
By: Olivia
Constant claim dodging.
We thought we were purchasing a top-tier insurance product, however, Trupanion has dodged every single claim we've submitted. Every one. The most recent was just insane. Our bully is one year and three months old and had a rash on his groin area. We took him to the vet and the vet said, "we can either do a whole range of scraping and tests, or we can give the dog XYZ medication which will likely clear it up". It did clear it up within days. Great. I paid the bill and submitted it to Trupanion and it was denied. Why? Well when we brought our puppy home from the breeder, he has a very slight ear infection. Our vet felt that being a bulldog, we should nip it in the bud and treat it. So, we gave Oliver XYZ medicine for a few days and it was fine. This claim was denied as well, by the way because he CONTRACTED the ear infection prior to our coverage beginning...ie, at the breeder at 8 weeks old. Trupanion has now declared that my dog had a pre-existing SKIN condition and that his INNER EAR and his GROIN are connected via HIS SKIN. so they won't cover ANYTHING that is connected to his SKIN for the REST OF HIS LIFE. We now have to have our Vet write some sort of document that basically says, "Dear Trupanion, while I have no idea what you are doing, but, the inner ear infection when he was a newborn and the rash on his junk over a year later are in no way connected and thank goodness I have a DVM so I can sort that out". I am so tired of scam companies like this who have beautiful marketing campaigns that lure you into the "we care about your pet" mush and then you are screwed when you try to use the product.
Insurer: Trupanion
By: Joe
Good coverage for our pups
Good coverage for our pups
Insurer: Trupanion
By:
I have a large emergency care claim pending.
I have a large emergency care claim pending. Let's see how we conclude this matter before I consider a "9" or a "10". Smaller claims so far have been relatively prompt in handling, if not completely fair.
Insurer: Trupanion
By:
Trupanion lived up to their claims.
Trupanion has been very efficient and clear in handling my claims. After the initial claim the subsequent claims were processed and my account credited within a few days. They answer their phones, and everyone I spoke with was always clear and competent. I would highly recommend them.
Insurer: Trupanion
By:
Easy to deal with.
Easy to deal with. No surprises when our vet hospital put the claim through.
Insurer: Trupanion Canada
By:
Very Pleased.
Insurance agreement is clear and easy to understand. Agents are friendly, empathetic, and helpful. Claims review is fast and payment is incredibly swift.
Insurer: Trupanion Canada
By:
Excellent service
Very fast response with reimbursement
Insurer: Trupanion Canada
By:
Healthy Paws was a life saver for Bentley
In February my 3 year old cat was diagnosed with kidney failure. He had been losing weight and was low energy. We took him to the vet and the blood results came back as Chronic kidney disease. They suggested that we hospitalize him immediately. We were told that it would be at least $500. a day. I called Healthy Paws after admitting him and explained our situation. They immediately began explaining what I needed to do and set our minds at ease that we could afford to give him the care that he needed. I was missing some paperwork from our rescue agency. Diana got on the phone to the agency and the vet associated with the agency ,to get what we needed to start the claims process. I was taken aback by the initiative and helpfulness of everyone with whom I had contact They were all amazing. I never felt like I was dealing with an insurance company. I was paid quickly and accurately for all of his medical care and supplies which came to over 5K dollars. Bentley will be on medication and will need vet visits frequently for the foreseeable future. Thanks to Healthy Paws I can give Bentley all the care that he needs without fear of big vet bills.
Insurer: Healthy Paws
By: PATRICIA