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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Thank you so much
I feel Trupanion is an honest company and they are true to their word with benefits. Thanks Trupanion for being there for us and our fur baby Buddy
Insurer: Trupanion
By: Barbara
Making a claim is quick & easy.
I am grateful for Pets Best efficiency, great website, easy to file a claim - Pets Best is truly the best.
Insurer: Pets Best
By: Joyce
Predatory practices (>100% sudden rate hikes); Misleading stats ("95% of claims approved" can mean $1 of $5000 paid out)
I ensured two older dogs in 2017 at a rate of $65/mo for both dogs. It then annually went up to $78, $105, and then $280/mo by 2020. So they more than QUADRUPLED the cost in just 3 years. They sent an apology email when they did the >100% rate hike in 2020 but an apology does nothing. They get you in the door, get you invested when the dogs do not have a bunch of preexisting conditions, take your money for several years, and then hold you hostage at exorbitant ransom until you eventually need to then go off insurance forever and forfeit your investment to them. Also, they cook their books. Every single claim gets "approved," and then you open the "approved" explaination of benefits to find that they approved like $40 of a $3900 bill. One of my dogs received surgery to remove a suspected malignant tumor, but since it came out benign they rejected all expenses (well, they approved a fraction, of course). They explained that if it were malignant they'd have paid it, but since it was benign they declared that the whole thing must be "dental". So despite that the charges were all towards a covered diagnosis of suspected malignancy (a CT scan, resection of a mass by an oncologist, a biopsy... all conducted in a facility that does not even employ a dental surgeon or anything general practice), since it was benign I'm 100% on the hook. They claim they do not interfere with medical advice and they claim they give you peace of mind when making decisions but when you are half crossing your fingers for a malignant tumor so that your diagnostic tests will be covered that is bad.
Insurer: Embrace
By: C
Don't bother
Do not bother. Horrible company Trupanion in bad faith denied my dog's MRI stating that it was possibly preexisting when he had never been diagnosed or treated for a disk issue. A board certified veterinarian specifically stated this was a new issue but because my dog was being treated for a blood clot they used that as an excuse not to pay. They are not honest and will deny claims as much as possible. The people that make decisions have no medical background and speaking to them is like speaking to a brick wall because they do not understand medical issues. I would have been better off saving the premium every month.
Insurer: Trupanion
By: R
Great coverage.
Great coverage. Reasonable price. Great customer service.
Insurer: Trupanion Canada
By:
Happy Maltipoo Mom!!!
My maltipoo has been insured, with Trupanion, since 2014; we have never had a claim, until her diagnosis, last year, of allergic dermatitis, necessitating daily use of Apoquel. Trupanion has stepped up and followed through, as they said they would, in reimbursing 90% of the cost, following my initial $200 deductible. The online claim submission and direct debit reimbursement, is easy and very expeditious. Trupanion customer service is always friendly and helpful, as well. Very much appreciated...thanks, Trupanion!!!
Insurer: Trupanion
By: Jan
Phenomenal company!
Very satisfied! My claim was processed and my payment hit my bank in a week!
Insurer: Trupanion
By: Tonya
no hassle experience
The vet send in the bill and it was taken care of very quickly with no hassle. Great experience
Insurer: Trupanion Canada
By: Keith
Simply the Best!
Trupanion has paid all my claims in a quick manner ever single time. Their premium may be a little higher than what others may charge however you get what you pay for. They have the best claims service and worth every dollar I pay. Would highly recommend Trupanion to any one looking for insurance on their dog or cat.
Insurer: Trupanion Canada
By: Bruno
Trupanion is excellent.
Trupanion is excellent. Coverage is one of the best on the market. With 5 dogs I really need a great insurance company
Insurer: Trupanion Canada
By: Sarah