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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Don't believe the 30 day money back guarantee
Without belaboring the details, I bought the insurance and submitted a claim about two weeks later. The claim wasn't process for THREE MONTHS; therefore, I missed the 30 day cancellation window. Then the company determines, based on my pet's records, that she showed symptoms of a disease that was later diagnosed. This, FWIW, a GEICO company. I've filed a complaint with my state insurance regulator.
Insurer: Embrace
By: BC
Easy to communicate with but aggressive about finding reasons to deny or reduce claims. Very disappointed.
Trupanion has a smooth and quick customer service, but is aggressive about finding reasons to deny or reduce claim amounts. Don't count on the coverage to truly have your back. My dog had a dental injury and Trupanion reduced our claim to 15% of the submitted amount. He has allergies and they've denied coverage of any portion of his treatment for skin conditions as 'behavioral'. If you want coverage for catastrophic care, then maybe consider a policy, but read the fine print of the policy terms carefully and be aware that any possible loophole will be aggressively exploited to avoid coverage.
Insurer: Trupanion
By: Laura
All wellness and anything with wellness should be covered!
It’s frustrating that wellness items such as nail clipping and anal gland excisions are not covered. These are a part of keeping our kids well.
Insurer: Nationwide
By: Christina
I am goad I chose Nationwide
I gave 5 stars because I was rerated after my first year and charged more for my yearly unsurance premium. So, I chose to go down in services since my pup passed all his wellness services primarily and now I am paying less than I was, but I did not know that I can never go back to full coverage. I get paid promptly and it is really easy to process claims. The staff are patient and friendly which is always a plus.
Insurer: Nationwide
By: Erin
Pinuccio
Always quick to process claims
Insurer: Trupanion
By: Michele
Easy submission process
It was easy to submit the receipt and the process was easy to navigate
Insurer: Trupanion
By: Sarah
Website-Ease of use
It was very easy to download and submit an invoice.
Insurer: Trupanion
By: Patricia