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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The process for submitting a claim was quite easy. The staff amazing!
The process for submitting a claim was quite easy. The staff amazing! I had to call a few time with questions and every person I spoke with was caring and took the time to talk to me about my dog and asked how he was doing. They have even emailed me after the claim was completed to check in on Howard, my dog. This company is special and I mean that in the very best way.
Insurer: Healthy Paws
By: Billie
Fast, Easy, Convenient
Any time I’ve had a claim, they’ve always processed and reimbursed me quickly. From allergies and infections to accidentally broken teeth and bones. Pets Best has been a life saver for our pup!
Insurer: Pets Best
By: Jess
Useless
I paid premiums averaging $35 a month for my cat for four years without making a claim. He was injured recently, so I had to take him to the ER for treatment. The bill was close to $500. I submitted a claim, including the bill, doctor's notes, and his entire medical history. It took several days to process, and they only agreed to reimburse me for $32. I understood that the insurance only covered 80%, and that there was a deductible, but they also deducted the cost of the office visit as a regular checkup. A week or so later I got a check for $110, with an itemized list, that indicated the were now willing to reimburse me for part of the office visit. I deposited the check, and then I got an email the next day telling me that they had made a mistake and that I should not deposit the check. I responded that I had already deposited it. This morning I checked my bank balance and discovered that they had taken out the $110 and that I had been charged a $7.50 fee for a mistaken deposit. The premiums had been set to go up to $54 a month, so I had cancelled after finding how bad the coverage was. After being charged by my bank for their own mistake, I decided to let other people know not to buy this insurance to begin with. It is useless. Just save the premiums for a rainy day and you will come out ahead.
Insurer: Healthy Paws
By: Barbara
I am so grateful to ASPCA pet health insurance.
As a senior living on a fixed income and a very tight budget, the decision to incur another monthly bill for pet insurance was a difficult choice. It meant giving up something I currently used (cable TV) for something I might never use at all. I decided I could live without cable, but not without my puppy if he ever was injured or sick. So I set about doing my homework ,and evaluated several different policies from leading pet insurers. I took my time, spoke to sales reps, did my research and settled on ASPCA pet health insurance. I recall the conversation with the rep that made me feel I could trust ASPCA to fulfill their promise to me and my puppy, papi, if I ever needed them. This summer papi got very sick. I rushed him to the vet who said take him to the emergency room immediately. It was a frightening experience and I was very afraid . Needless to say the emergency hospital costs and follow up care was very expensive, and I really didn't know if ASPCA would cover the costs as I had never submitted a claim before, or knew any other pet owners who used this same company. I took a leap of faith and remembered that sales rep who made me feel I could trust ASPCA . I'm not the most tech savvy person but following the instruction on their very user friendly app I was able to file my claim. I called a week after to talk to someone to make sure I had done everything properly. That person said things looked good and in order and I believe she said it took 4 to 6 weeks to process a claim. ( that's from my memory but I could be mistaken.) I recieved two emails saying my claim was still under review and I began to start to worry. The money I used to pay the hospital bill was my rent money, so I began to imagine worse things happening than just a sick puppy. Lol Exactly 1 month from the day I submitted my claim ASPCA pet insurance approved my claim. I honestly can say I was quite pleasantly surprised and enormously relieved. The money was direct deposited into my account in less than two days. Maybe in my old age I've become cynical and less trusting, but It certainly is reassuring to do business with a company that keeps their word. I am so grateful to ASPCA for paying my claim and for being so kind and understanding with me when we talked over the phone. I felt like they cared about me and Papi. Their actions certainly proved that they did. They kept their word to me. I trust them enough to tell my friends to take out policies with ASPCA. Thank you kindly.
Insurer: ASPCA
By: Thomas
Processing too slow
Insurance is very good . Processing time is too slow.
Insurer: Pets Best
By: Hopp
My TruPanion Experience.
Filing my claim was simple, acknowledgement was almost immediate. Processing my claim was expeditious and payment was directly deposited in my bank account. Can't ask for better service.
Insurer: Trupanion
By: Martha
TruPanion is a True Companion
As always, Trupanion processed my claim immediately and electronically credited my refund within a matter of a few days. They are very responsive, which is especially appreciated when you have a little pet who has had some difficulty.
Insurer: Trupanion
By: Barbara
Because when I Fist signed up.
Because when I Fist signed up. It didn't explain that it didn't cover every pet visit to the vet.
Insurer: Trupanion
By: Linda