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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I was pleasantly surprised with the…
I was pleasantly surprised with the amount of coverage of my first vet visit.
Insurer: Pets Best
By: Steve Becuti
It is very easy to file claims and the…
It is very easy to file claims and the response is very fast. Gidget is feeling better thankfully. It was very scary for her to be hospitalized and extremely scary for me also. She is my sweet baby.
Insurer: Healthy Paws
By: Corrine Glowacki
the customer service rep was very knowledgeable and helpful…
the customer service rep was very knowledgeable and helped me understand coverage and how the payroll deductions work.
Insurer: Nationwide
By: Sharyn Haney
Easy to fill in the paperwork and well…
Easy to fill in the paperwork and well explained.
Insurer: MetLife
By: Rachel Chester
Trupanion didn't come through when I needed them most.
The provider denied all my claims and appeals for my sick puppy. I purchased accident and illness insurance through Chewy Care Plus which partners with Trupanion, so I'm posting this review here since Trupanion is the provider who handled all the claims and appeals. All the customer service reps I spoke to were associated with Trupanion. My vet who helped me with my appeals had to speak to a specialist associated with Trupanion. After going through all the procedures and waiting several weeks for the final decision, I was denied any reimbursement by Trupanion. To say I was disappointed is like saying the iceberg that sank the Titanic was just a teeny tiny snowflake. Disappointment doesn't even begin to cover it. For clarification, I'll explain the circumstances. My puppy, Ginger, became very ill very early. I took her to an emergency vet while her policy was still in the waiting period. I knew the policy would not be active yet, so I didn't submit a claim. First, she was treated as an outpatient. When she went back later and had to be hospitalized AFTER the waiting period, they would not cover her hospital stay. They could see from her records that she had been there before, so they called it a preexisting condition. That loophole was stated in the policy, so I just swallowed the cost and sucked it up. The REAL issue I have with Trupanion is with the second hospitalization claim. She was hospitalized a second time, given different diagnostic tests, and received a different diagnosis. After reviewing all her medical records and speaking with Ginger's vet, they still denied the appeal, because, as they put it, "there was no disconnect." In other words, they wouldn't cover the treatment because they thought the two conditions were related. Ginger was also diagnosed with Coccidia and Giardia, parasitic infections which were unrelated to her respiratory infection. They wouldn't cover that treatment either, even when it was only a small amount that could have been applied toward her deductible. Her litter mate, Cinnamon, was also treated for Coccidia and Giardia and Trupanion applied that cost toward Cinnamon's deductible. It doesn't make sense that they didn't do the same thing with Ginger. I think the appeals team was negligent in their investigation. The assessment they made was inaccurate and unfair. It seemed to me that they were just looking for excuses to deny coverage without having any real proof. If I could afford it, I would sue them. I am still paying vet bills which have cost thousands. I got pet insurance so I wouldn't be in this situation. Given my bad experience, I can't recommend Trupanion or any other plan who partners with them.
Insurer: Trupanion
By: Deanna
Helpful and Quick
"My poodle has allergies and Pet's Best has been great about processing his claims and helping him stay "itch free"! It has been a long process to find the exact combo that works for him, so he doesn't pull all his hair out! Pet's Best has been there supporting us the whole way! "
Excellent Service
"Pets Best kept me informed during the claims process. When I need to send more info, they didn't make a decision until I forwarded more of the doctor's procedures. When they still needed more info, they contacted the vet's office themselves, received their response, then made their decision on the claim. I'm extremely happy Pets Best did leg work on their own before finalizing the claim. What other insurance company does this? Pets Best is the BEST!"
Insurer: Pets Best
By: Renee
Excellent service
Excellent service, claims paid immediately, never having to worry about my pet's health costs.
Insurer: Pumpkin
By: Diane Hershfield
Quick and Easy
Pets Best makes the claim process easy and quick, and when you're already stressed about your pet's health, this support and customer care feels like a warm blanket. Thank you.