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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Can’t afford not to have Trupanion
I have had Trupanion for all of my dogs. I can’t say enough good things about it. Although it is not inexpensive, I can’t afford not to have it. One of my dogs was hospitalized for three days. The bill was about $5k. She was discharged on a Saturday night. I submitted her claim after we got home. The claim was paid Monday afternoon. I can’t recommend Trupanion highly enough.
Insurer: Trupanion
By: Lisa
Fast
Fast and easy to get coverage and they cover a lot of things that is necessary.
Insurer: MetLife
By: Roberta Dasilva
Be Careful
I had this Pet Insurance for years for my three dogs. And for a while, everything was great and I had no issues. As my female dog was aging, the premium continued to skyrocket. When she was six she had mast cell cancer. At first her cancer treatment was covered because I was paying for the policy for major medical. I was paying $384 a month just for her coverage. And then I received a letter in November saying when her policy was up in December, they would not renew her. Because of her previous history with cancer, that was a death sentence for my dog. They didn’t contact me to see if I wanted to change the plan to something different. They just canceled her policy. Because they just canceled her policy, I am unable to ensure her with anyone else because she is considered pre-existing. Because she no longer has insurance treating her cancer is nearly impossible. I feel after years of paying premiums to this company. They should’ve at least given me an option for a different policy. They know that by canceling her without giving me an option for a different plan that I was no longer available for insurance with anyone else either. 
Insurer: Nationwide
By: Sheri Warren
Concentrating on Bella Instead of a Financial Burden
When my sweet little Yorkie started showing signs of some health issues, it was a huge worry to me. Spot Insurance helped take some of that worry away as far as financial worry and helped me concentrate on the most important thing .. diagnosing Bella's illness and starting her on a treatment plan. So far she is doing well just taking medication. Thank you, Spot, for the quick action on our claim.
Insurer: Spot
By: Linda
Post-application discrepancy
At the end of the application process screenshots were taken. I had applied for a $250 deductible and 80% reimbursement at a certain price. The email received showed the correct monthly price and deductible; however, reimbursement is shown at 70%. I emailed the company requesting clarification/confirmation and a number of days later have received no reply. Hoping when the policy information is received that it will match my application for coverage desired. Meanwhile, glad I have screenshots showing the policy number and details stated above.
Insurer: Nationwide
By: Mary Beth
Great Pet Insurance!
Customer service was so nice, and Insurance claim process was so quick and got money back in 1 week.
Insurer: Spot
By: Kawai Duffield
Fast and easy reimbursement.
Fast and easy reimbursement.
Insurer: Fetch
By: Cindy
It was so easy with my dogs claim
It was so easy with my dogs claim. Each time Ai called everyone was great.
Insurer: Spot
By: Karen Gilstrap
Great customer service
Great customer service. Great empathy during a hard time. Quick turnaround on claims. I appreciate you.
Insurer: Trupanion
By: Sarah
I was not informed that she would need…
I was not informed that she would need to have seen a veterinarian before they approved my application. In addition they changed me $75 and them sent an email stating what was needed. I explained from the very beginning that she is a rescue from a non family member who didn’t have any paperwork.
Insurer: Nationwide
By: Michele Wearins