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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So far I can't complain
I got trupanion because a friend of mine had it & their dog got cancer & I was shocked to see that they were paying their claims. I had pet insurance several years ago with another company & after several years I had to put in a claim & they literally paid me back peanuts. So far I've been pleased with the small claims that I've sent in & they have paid.
Insurer: Trupanion
By: carol
Never Any Issues or Hassle
We have had Trupanion coverage for almost 12 years. While it doesn't cover normal treatments (vaccinations, dental care, spaying, etc.) it has been a life saver when our dog needed emergency care. Now that he is older (12), I would hate to be in the heart breaking position of having to put her down because I couldn't afford a treatment. The two times she had to be hospitalized in her life, Trupanion was a financial life saver.
Insurer: Trupanion Canada
By: Shona
My concern with a claim was resolved within 3 days to my satisfaction.
I questioned a denial of a claim made in November. After sending additional information to Embrace my concern was resolved in a positive manner.
Insurer: Embrace
By: John
Very easy to file a claim and get reimbursed.
Filing the claim was very easy. I used the app and uploaded the picture of the vet bill. They emailed me back to let me know they received the claim. I could track the process of the claim and reimbursement on the app. They even called me to see how my dog was doing.
Insurer: ASPCA
By: Jennifer
I am surprised how much they cover!
My older cat, Annie was on a dry food only diet and started to experience constipation and bloating. Vet gave her some fluids and some samples of both wet food and prescription gastro dry food to mix together and try at home. A few days later, I took her back. She was doing better, and it was decided to keep her on a high quality wet food mixed with the prescription dry. That dry food was expensive, but Embrace covered 80% of the costs! I was pleasantly surprised.
Insurer: Embrace
By: Rosemarie
Very compassionate and understanding.
The person I interacted with was very compassionate and understanding. I had to cancel my policy because my dog died. She sent me a claim form by e mail, and I will probably submit a claim for his final medical expenses.
Insurer: AKC
By: John
Embrace allowed us to get lifesaving care
Embrace has been the best customer service experience we have ever dealt with, period. They are quick and efficient, extremely fair in their claims process, and overall the easiest part of managing major medicinal issues for our boxer boy. Our dog was 8 months old and diagnosed with Steroid Responsive Meningitis Arteritis. Without immediate care and months of medication, he would have died, but thanks to our vets, care credit and embrace, we have weathered the initial diagnosis and one relapse and still have a healthy, happy; typical boxer pup. The claims process is simple and the reimbursement process quick and easy. We were only denied one claim - for diarrhea, because we had seen the vet for diarrhea during the waiting period so it was deemed pre-existing. I don’t agree with that, but given their quickness to reimburse every other multi-thousand dollar claim, I can’t complain. The other WONDERFUL thing about embrace is they will not drop you for claims! Premium renewals and pricing are not based on whether or not you made claims, which means we have the security of having insurance for our dog even if he relapses again.
Insurer: Embrace
By: Sabrina
Unfortunately, it looks like my pup...
Unfortunately, it looks like my pup started getting ill 3 hours before my 5-day waiting period was up.
Insurer: AKC
By: Dudley
Fast and efficient
Embrace pet insurance is the best money I ever spent on my cat. It took less than 10 business days to get my reimbursement. 100% of the expenses were deemed eligible, and after my small deductible I received 80% as my reimbursement. My deductible was smaller because my pet had gone a few years with just wellness visits, not an illness or injury visit.
Insurer: Embrace
By: Rosemarie
Claim was settled in less than a week's time,
Claim for wellness visit got there at the last minute because I thought it had been filed by my vet's office. However, we made the deadline and the claim was settled. All of our experiences with Embrace, which included a stem cell transplant for the same dog, were met with a helpful staff. Embrace for us has truly been a hassle free insurance company. My questions are always answered and the staff goes out of their way to help me.
Insurer: Embrace
By: Ann