Owed Review
Owed vs Claim Cow
Claim Cow and Owed are both web-based tools that match you with class action settlements through a quiz and track your claims. The big difference is who files: Claim Cow says it pre-fills and submits claims for you, while Owed members submit every claim themselves on the official form. Here's how they compare as of October 2026.
Pick Claim Cow if you want a service that says it pre-fills and submits claims for you, or a $9 first month to try it. Pick Owed if you'd rather submit claims yourself and pay one flat $49 a year, with a 14-day money-back guarantee in writing.
Feature comparison
We make Owed, so check the Claim Cow column against their site too. Facts as of October 2026.
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| Ours Owed | Claim Cow | |
|---|---|---|
| Price | $2 first week, then $49/yr | $9, then $19/mo; or $49 first year, then $99/yr |
| Free trial / intro offer | $2 for 7 days; cancel before they end to skip $49 | $9 first month or $49 first year |
| Takes a cut of payouts | Not on pricing page; Terms allow contingency charges | |
| Files claims for you | Says it does; you confirm | |
| Free settlement list without an account | Archive of past cases only; 0 open when checked | |
| Personal matching | short quiz | quiz; blog describes email receipt scanning |
| Claim tracking | submitted → approved → paid | status updates |
| Deadline reminders | 7 days and 24 hours before | deadline notifications |
| Refund / money-back policy | 14-day money-back guarantee | 20X money-back promise; conditions not published |
| iPhone app | Web app only (no App Store app yet) | None found; it's a website |
| Android app | Web app only (no Google Play app yet) | None found; it's a website |
| Company behind it | Owed | Claim Cow LLC, Albuquerque, N.M. |
Owed
Strengths
- Renews at the same $49 a year after the $2 first week
- Never takes a percentage of any payout
- Free directory of open settlements, each checked against the official site
- 14-day money-back guarantee written into its Terms
- Pro tracks claims and reminds you 7 days and 24 hours before deadlines
Weaknesses
- You still submit every claim yourself on the official form
- Web app only: no App Store or Google Play app yet
- New company with no public ratings yet
- Paid membership: $49 per year after a $2 first week
Claim Cow
Strengths
- Says it pre-fills and submits claims for you
- Prices and renewal rates are published up front
- A $9 first month is a cheap way to try it
- Trustpilot: 4.1 from 21 reviews, mostly five-star
- Says it isn't a law firm and doesn't sell personal information
Weaknesses
- Annual plan rises from $49 to $99 after the first year
- Terms say fees may include contingency-based charges
- Terms are silent on renewals, cancelling and refunds
- 20X money-back promise has no published conditions
- Public database is an archive; 0 open claims when we checked
Claim Cow, as we found it
Screenshots of public pages, captured October 18, 2026.
Our verdict
Claim Cow's biggest draw is the one thing Owed doesn't do: it says it pre-fills and submits claims for you, and you confirm. As of October 2026 it also publishes its prices, including renewal rates, and a $9 first month is a cheap way to try it. If you want a hands-off service, Claim Cow is built for that and Owed isn't.
Owed is the clearer choice on cost and terms. Claim Cow's annual plan goes from $49 to $99 after year one, its Terms allow contingency-based charges and say nothing about refunds, and its 20X money-back promise has no published conditions. Owed Pro is $2 for the first week, then $49 per year — one flat membership. Owed never takes a percentage of any payout, and its Terms include a 14-day money-back guarantee. Both services are new, and we built Owed, so weigh our view accordingly. Filing directly with a settlement administrator is always free.
Sources for the Claim Cow facts
- Claim Cow — official site
- Claim Cow — pricing
- Claim Cow — Terms of Use
- Claim Cow — Privacy Policy
- Claim Cow — Settlement Database
- Claim Cow on Trustpilot
We build Owed and we write this site, so read it knowing that. We check every settlement on its official website before listing it, and we’ll tell you when you don’t need us. Corrections and questions: support@claimowedmoney.com.
Owed vs Claim Cow: questions
Is Claim Cow better than Owed?
If you want a service to submit claims for you, Claim Cow says it does that and Owed doesn't. If you'd rather submit claims yourself and pay a flat $49 a year with a 14-day money-back guarantee, Owed fits better. We built Owed, so weigh our answer accordingly.
Does Claim Cow take a cut of my payout?
Its pricing page mentions no percentage, but its Terms say fees may include contingency-based charges or service processing fees, disclosed before you authorize a claim. Owed never takes a percentage of any payout.
Is there a Claim Cow app or an Owed app?
As of October 2026 we found no App Store or Google Play app linked from claimcow.com, which presents itself as a website. Owed has no app-store app yet either: it's a web app that works in any phone or desktop browser.