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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Experience as a veterinarian..
Experience as a veterinarian.. Let me start off by saying I am a licensed veterinarian. I use embrace for my two cats, one of which was one year old, and recently suffered an extremely debilitating disease course, consisting of diarrhea, weight loss, lethargy, and anorexia. We tested her for every disease under the sun. She, as with almost every kitten or puppy, had worms and bacterial diseases when she was pulled off the street from which she was rescued. She was treated and made a full recovery. Embrace skimmed through her records to say that because she had GI problems when she was young, this was considered a pre-existing condition (of which she was cured.. and had a completely unrelated, not similar at all disease one year later), and denied my entire claim , even after providing evidence that the diagnoses were completely unrelated, INCLUDING necropsy testing results. On top of this, it is almost impossible to get in contact with anyone on the phone, and when you ARE able to reach someone, its usually someone who has zero clue what they are talking about, and they need to redirect you to someone that isn't even working. I plan on cancelling my plan for my remaining cat, because I'm sure that whatever happens, they are going to do all they can to take months to respond to a claim and deny, deny, deny. WOULD NOT RECOMMEND.
Insurer: Embrace
By: Andrew Curtis
You went thru my dogs records and bills…
You went thru my dogs records and bills and promptly paid the claim. Thank you!
Insurer: Spot
By: Delores Kass
Doubled rates Hidden coverage change details.
They recently more than doubled my monthly premiums so I called and made changes to lower my premiums. Less coverage, bigger deductible. They wouldn't refund any $ for that first month so I figured we had same coverage for that first month any my portal still showed my pet at $100 deductible with 90% reimbursement. New details start 6/3. Well......nope. In a recent claim, they took out the higher deductible and reimbursed at lower rate for my pet's ear infection without giving me a refund of any of the larger premium for May. Their own portal still showed my old deductible and reimbursement rate for this month but when I called I was told too bad. Nope you get lower coverage immediately when you change anything to lower your rates but we still keep your extra money for the first month, Their EOB was totally wrong also. Showed 90% reimbursement rate but they didn't use that. They also didn't show any deductible taken out nor did they credit it on my pet's portal. This feels like stealing from your loyal client customer base. The agent today when I called said there is language in the portal stating this will happen when you make changes. Buried with lawyer speak no doubt. Oh and the notice of my much larger premium arrived in my email AFTER my renewal date.
Insurer: ASPCA
By: Morgahn Grey
Quick and easy reimbursements
Quick and easy reimbursements! App so easy to use!
Insurer: Spot
By: Mary Kramer
First claim was approved without issue…
First claim was approved without issue and received check promptly!
Insurer: Spot
By: David Christofalo
Easy Process
Submitting the forms was very easy. Even after the forms were submitted, MetLife was able to open multiple claims per corresponding documents. I was kept up to date on the whole process and was reimbursed the same day the claim was approved. Great experience.
Insurer: MetLife
By: Anthony
Very disappointed with this company
Very disappointed with this company. I’ve been with them for 6 years and now they charge 185.00 a month and deductible of 750.00 and only 60% back when it used to be 80%. Go with a Canadian company this one is shit now. Don’t waste your time. It’s a run around and not worth the insurance anymore. I can’t change because of pre-existing health and it’s so shitty. Don’t do it. I started with paying 70$ a month now it 185.00 a month. Horrible and they make the choice they keep what they want to. If I can save another family money I will. Not worth it anymore. Years back it was fine not anymore.
Insurer: Fetch Canada
By: Maggie Johnston
Fast claim review and refund
Fast claim review and refund
Insurer: Spot
By: Suzanne Stevens
I cannot say enough good things
I cannot say enough good things about Trupanion. I have never had any kind of issues with claim filing. You guys are very compassionate,understanding,caring and courteous. Payments are always quick and right on point. I just found a vet that accepts direct payment which is awesome. I am so glad that I chose Trupanion for my 2 babies. Keep up the good work
Insurer: Trupanion
By: Leanne