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.
64,794 total
Other Categories
Easy and quick reimbursement
Abby was enrolled at 8 weeks, she injured her knee at 6 months. Since then has had xrays, ear infection x2, and knee surgery. I chose no deductible when I signed up for trupanion. Trupanion has made reimbursement so easy, no questions ever asked. No hassle for me ever. I just love them
Insurer: Trupanion Canada
By: Yorke
Stay Away! Go with Healthy Paws
We initially loved Figo, especially because we insured our cat later in life, and not a lot of pet insurance companies offer decent pet insurance when the pets are older. Figo (or at least our policy) was originally underwritten by Markel. When they were bought out by Independence America (last year or two), they literally tripled our premium at the renewal date, and substantially reduced the benefits and also created a huge spike in our deductible. Plus, the customer service during that transition was very uneducated and not very helpful. Of course, now we can’t switch due to several conditions which would be considered pre-existing to another company. That alone was very disappointing. But then, they became incredibly focused on scrutinizing each claim to find a reason to not pay it. Any loophole they can find, they leverage it. I have had to appeal two separate claims and even with letters from our veterinarian, indicating why the treatment fell under my policy's terms, they don't budge - or budge very minutely, but not enough to really make a difference. I'm not sure they're even honoring their appeal process, as they're supposed to get an independent veterinarian involved, and I've received no assessments from another vet. Also, some of the terms make no sense. For example, they don't cover oral surgery, at all - even if it's due to an illness or disease. Our cat has an oral mass that needed to be removed and in order to remove the mass, they had to remove the tooth. Figo decided not to cover the entire surgery because they claim that it was oral surgery to do a tooth extraction. They said they would only cover it, if it was an accident/injury - not an illness. But the main reason that we get pet insurance is to cover illness, diseases, etc. This simply doesn't make sense to me. And now, they are not paying things that they had paid a few months ago (still same policy year). It's super sad and discouraging to pour so much into premiums and deductibles, only to find them constantly finding loopholes to not pay the claims. We have Healthy Paws for our other 3 creatures - literally Thank God. HP is the absolute best pet insurance company, and are very generous in their claim reviews and payments, and take their customers at their word, placing a high value on customer care / service. If you're going to invest in pet insurance, skip Figo, for sure. Choose Healthy Paws
Insurer: Figo
By: Raechel
Not happy with this insurance!
I will not recommend Trupanion. Not one of my recent claims was accepted for payment. I am thinking of cancelling this insurance at the end of the month. Disappointed!
Insurer: Trupanion
By:
Good filing experience
Was easy to file online and was quickly reimbursed
Insurer: Trupanion Canada
By:
Thankful for Trupanion
We are so thankful that we have pet insurance from Trupanion. Our Hanky girl was diagnosed with IMHA and if not for our insurance, we would be in a very tough spot financially to be able to give her the level of care needed. We have been with Trupanion for almost 6 years as we made sure we had insurance as soon as Hanky saw our vet for her first check up as it was recommended. Trupanion is caring and efficient and truly cares about our fur baby. We highly recommend Trupanion.
Insurer: Trupanion Canada
By:
Valued customer service
Always have a great experience with processing any of our fur babies claims.
Insurer: Trupanion
By:
Great service!!! Always there to help !!
Always helpful and claims are handled efficiently and quickly. I love it that you can always reach someone when needed. Always friendly.
Insurer: Trupanion
By:
Trupanion treated us very well
Every time Trupanion raised their rates over the last 4 years I questioned whether we should keep the insurance. I am so glad we did because it really helped us out when our dog recently got cancer. It was very reassuring to know that money did not have to factor into the treatment decisions. Trupanion was great in terms of turning around the claims and reimbursing us quickly. The only thing that was a little difficult is that we had to take her to three vets: our regular vet who found her kidney problem, a specialist who diagnosed her with cancer, and an oncologist. Each vet started by doing an examination, and these were not covered based on the blanket policy that examinations are not covered. I can understand not covering the first examination, but the examinations performed by the specialist and oncologist were part of the treatment of her condition and should have been covered, in my opinion. However, everything else was covered and overall we are very happy with how we were treated by Trupanion.
Insurer: Trupanion
By: