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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I would give a zero if I could
I would give a zero if I could. Instead of focusing on the overall rating, I read the reviews and realized there are a lot of people who had similar experiences that I had. I rescued Pepper in November 2025 and enrolled with Trupanion in March 2026. She had parvo before I adopted her. After months of paying premiums I submitted two claims totaling $379.63 for acute diarrhea and conjunctivitis. Both were denied as pre-existing conditions. I appealed twice, including submitting a formal letter from my veterinarian who specifically stated that diagnostic testing showed NO evidence of permanent intestinal damage from parvo and that the conjunctivitis cause was unspecified. Both appeals were denied. I received zero coverage after paying $190 in premiums. Trupanion is not appropriate for rescue dogs with any medical history. Save your money and go with Fetch instead — they actually built their insurance specifically for rescue pets. I can’t reply to them below. But I did dispute the denial of the claim. And they still said it was a past issue even though it was not. My dog all of a sudden was showing signs of diarrhea and vomiting so I brought her to the vet and they said that was a pre-existing condition because she had loose stools when I got her as a puppy. Which is completely different than what I brought her in for.
Insurer: Trupanion
By: Kasey Slinkard
Highly Recommend Pets Best Insurance
"I have been with Pets Best Insurance for the past 21+ years. They have covered 3 of my dogs for various health situations. Having insurance for your pet makes it easier to make the best decisions for the care of your pet. Their claims process is very easy and they respond in a timely manner to inform you of the decision on your claim as well as payout is timely. My family appreciates the service received by Pets Bets Insurance and share with our friends about our positive history with Pets Best as soon as they have a pet that needs insurance. "
Urgent Care
"My schnauzer recently underwent an urgent care vet visit. Since multiple systems were involved, it was a little difficult to decide what to pick from the pick-list, but the opportunity to detail the problems in my own terms was helpful. Response was immediate. From notification of we've received your claim to your claim is being processed to here's your EOB to your money has been deposited in your account took a week maybe. I found that fantastic. Thanks PetsBest!"
It was easy to file the claim and Fetch…
It was easy to file the claim and Fetch kept me informed throughout the process. I was very empressed.
Insurer: Fetch
By: Shawn
Worth every penny
We have had Trupanion since both my dogs were puppies (8 and 7 years old now). Trupanion does not cover wellness and some other stuff, but they have allowed us to make sure our dogs get the care they need without worrying about how to pay for more than our deductible. As they have gotten older our premiums have increased, but we have continued paying the premiums as Trupanion has come through every time. They charge the deductible per condition, but after that has been met you only pay coinsurance and taxes. Twice now Trupanion has paid out more in claims for us than we would have saved just putting away the premiums alone. Several of the vets we have worked with also work directly with Trupanion, so there have been instances where because our vet filed claims for us in the past, we had already met our deductible for a condition when the big bills started to roll in. We cannot recommend them enough.
Insurer: Trupanion
By: Dr. Everett
Fast response. After the documentation was sent in
After the documentation was sent in, the check came in a few days.
Insurer: Healthy Paws
By: Leann
Submitting claims online is very easy
Submitting claims online is very easy. Responses from Healthy Paws on status of claims very punctual and clear
Insurer: Healthy Paws
By: Cindy Wadler
Quick and easy to apply , great benefits for my pupper
nationwide was easy to apply and clearly outlined what coverage was available, very quick response from Cassandra when I called.
Insurer: Nationwide
By: Tammy
The policy was easy to get and fully…
The policy was easy to get and fully explained. I would have liked to see if I could get additional coverage, but I couldn't find a way to look for it. Overall, it was a good experience.
Insurer: Nationwide
By: JANET & TONY LANE
Great insurance for my fur baby!
Great insurance for my fur baby!! A very easy and smooth process to put claims through. It takes only a few minutes to process and my vet submits the claim.
Insurer: Trupanion
By: nicole brown