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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Amazing response time for approval
Amazing response time for approval. Fair with what they cover. I'm so glad I had insurance - it saved me a bundle on my dog's back surgery.
Insurer: Trupanion
By: Cheryl
Opaque website. Feels like a rip-off.
The website is very opaque. Claims are difficult to follow. No easy reference from the claim- making it difficult with multiple claims. "Claim closed" does not indicate if paid. No direct reasoning for denial. It takes a couple of windows to get to that point and at that is useless. Email communication is misleading. Always "we're on it!" but no follow up if denied. Insured should not have to go through this much hassle just to see if a claim is covered and should not have to be the intermediary between the vet and ins. co. Need to call to get answers. Even at that, ofter useful information is left out.
Insurer: Trupanion
By: Gail
Refusal of bill
After dealing with increasingly high premiums when the dog got older, they only reimbursed 25% for a cancer diagnosis. I had major medical coverage and was paying $245 a month when our boy passed. I will seek another company if we ever get another doggie.
Insurer: Nationwide
By: Warren Hartwell
When we signed up
When we signed up, they didn’t tell us they would be nit picking the vet bills apart, and only be covering partial payments.
Insurer: MetLife
By: Barbara
Great customer service and prompt…
Great customer service and prompt reimbursement.
Insurer: MetLife
By: Brenda
Watch out for Embraces Renewals
I’ve been with Embrace for years and just received my renewal notice. The new premium is $918.31 per month. That is over $11,000 per year to insure two senior pets. For comparison, my current billing shows $279 per month . So we are talking about going from roughly $3,300 per year to more than $11,000 per year at renewal. That is not a modest increase. That is a financial shock. What makes this worse is that they have never paid a single claim since I purchased the insurance. Reimbursed to date is $0. So after years of paying premiums, the first major interaction at renewal is a massive rate increase. Yes, the explanation includes rising veterinary costs, age adjustments, and actuarial reviews in California. I understand that premiums change. But tripling the annual cost feels less like risk adjustment and more like pricing customers out once their pets are older. Insurance is supposed to provide peace of mind. Instead, this feels like you are paying faithfully for years and then being presented with a bill that makes you question whether coverage is even sustainable. If you are considering pet insurance, do not just look at the monthly number. Convert it to an annual cost. When someone says $300 per month, that is $3,600 per year. When it becomes $900 per month, that is more than $10,000 per year. Do the math before your pets age into a pricing tier that makes staying insured feel impossible.
Insurer: Embrace
By: Alfred Somekh
Nobody wants to hear a cancer diagnosis…
Nobody wants to hear a cancer diagnosis for their furry baby - ever! But if that should occur, it sure is nice having Healthy Paws on your side. I’ve had Healthy Paws insurance for both my pups since they were puppies - they are now 11.5 & 12 y/o (BD today!). Every time I’ve had to file a claim they ALWAYS came through. And at this difficult time for my younger one, they are shining through again. He is recovering from surgery and will be undergoing a strong dose of radiation in 2 days. I’m really hoping that will be all that’s needed. Unlike other pet insurance companies, there’s no max cap with Healthy Paws. And yes, they don’t cover annual vaccinations or physical exams or monthly preventative meds, but those are expenses any pet owner should be responsible for if they’re going to be a pet owner. They do, however, cover the unexpected expenses that can cost quite a bit - diagnostics, labs, surgeries, other treatments - coverage provided for these is extremely helpful. Icing on the cake is the ease of filing a claim - submit photo of itemized invoice and Vet’s notes and that’s it. It can’t get any easier than that! Win win! And 99.9% of the time they complete the claim within a couple days - often times it’s been same day. I highly recommend Healthy Paws for your little one(s). I wouldn’t consider any other pet insurance company.
Insurer: Healthy Paws
By: Cindy
super quick to reimburse
Fetch was super quick to reimburse. I made the claim Monday and had money deposited by Friday.
Insurer: Fetch
By: JB