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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Pleasantly surprised
I was pleasantly surprised to receive even more than expected on my claim after having my two dogs teeth cleaned.
Insurer: Pets Best
By: April
Easy to file
Very easy to file and get paid
Insurer: Pets Best
By: Raul
Always a good experience.
The claim was submitted and processed within a few days from the treatment. I have been fortunate with the ease of getting the veterinarian to send the claim to Trupanion the day of service. I definitely would recommend to my friends and colleagues.
Insurer: Trupanion
By: Ricky
Easy!
claims are easy to complete
Insurer: Trupanion Canada
By: Hazzel
Claim was taken care of quickly and efficiently.
Claim was taken care of quickly and efficiently.
Insurer: Trupanion Canada
By: Sharon
Prompt quotes
Prompt quotes. However- did experience problems with navigation on the site. Found accident only quote cheaper on another site- however coverage varied from Prudent.
Insurer: Prudent Pet
By: PopKit
We love Embrace!
Embrace is great! Quick communication, easy to use website, and very fast claim processing. I couldn’t believe how fast my claims have been approved and I’ve had a check in my hand! In addition, they are just a kind company. When I emailed them to take my cat off the policy because he had passed away, I got a sympathetic email AND a real sympathy card in the mail. I highly recommend to anyone with pets!! Having paid thousands for uninsured cats, getting insurance is a no brainer and Embrace is the best company to go with.
Insurer: Embrace
By: Kara
Charge way to much. Dont pay back what they say they do.
My bill was 50 a month. Without telling me they up'd it to over 90 a month!!!! What a huge jump. That is crazy!! then I couldn't get a surgeon to work do my dogs surgery till a day after my policy renewed. After I had only JUST met the deductable for the previous year. So I had to pay the full 250 deductible again! Big deal, pissed me off but whatever I moved on just left a bad taste in my mouth because I called them and told them she needed surgery but I couldn't get it down until a day after they pretty much laughed in my face and didnt care. Then they did not pay out the full 90% they claim to and charged me another 250. Then a couple days after they gave me the amount they said they would cover which is not anywhere near what they said they would cover in the policy (tried calling them and talking to them, they didnt care and said the amount was correct)!! They send me a bill for 654.87!! So not only did they up my monthly payment, not pay out my 90% they owed me for my dogs surgery, then charge me another 250 deductible, then now they send me a bill for 654! And expect me to pay that!Fuck no. I'm pissed, I pay way to much to them for them to try and pull this. That was the last straw. I'm cancelling and switching to someone else. If you care about your dog put your insurance money for them to a better insurance company. All they care about is money.
Insurer: Nationwide
By: Desirae
You’re the best!
Ease of claim submission, swift response!
Insurer: Trupanion
By: Linda
Pet insurance must have for new puppies - and best of 3 insurers tried to date!
Purchased day 10 week puppy came home and $1,850 reimbursements later very glad I did (premium about $445 for 90% reimbursement after $500 deductible). Fast human phone customer service and offer waiver from 6-month waiting period for orthopedic issues if have vet do exam after purchase. Also having used two other insurers in past for other pets; prefer one deductible for all issues not new for each; specialists being paid at same amount as regular vet; and initial diagnostic vet visits covered (not all do - we have been at least 10 times the past 11 months). Only recommendation is claim submission form as requires 1 invoice per submission. My mini-aussie contracted severe case of Giardia that continued for about 4 months (many dogs have parasite it but never suffer effects). Four courses of treatment later it also effected her overall digestive health including vomiting and ongoing food irritations. Then after antigens gone; she caught kennel cough a couple months ago probably at doggy day care. Through it all Embrace has approved every claim submitted with no questions besides vet medical records - or hassle - and the check arrives 10 to 14 days later. In the beginning there were some claim issues related to vet billing changes but I quickly spoke to a supervisor. She has been very professional, and empathetic, and is just an e-mail away if a payment tardy (been about 20). I just received the policy renewal quote and was estatic so see no increase (unlike Go Pet Plan which I used several years ago for another dog - went up 10% annually first few from puppy initial plan to 15% by year 6 so dropped). Also used Healthy Paws in past for cat but when compared before buying this time it was more expensive.
Insurer: Embrace
By: AnnD