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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Disputed Claim Denial Despite Veterinary Support
I am extremely disappointed with Pets Best Insurance claims department. My dog, Louis, was treated for an ear infection in November 2025; however, the claim was denied solely because he received Cytopoint for allergies during the same visit. The claims department concluded that the ear infection was related to his allergies, which I strongly dispute. To support my case, I provided a detailed letter from my veterinarian; however, this documentation was not accepted. I appealed the decision twice, yet the claim continued to be denied. The final review was conducted by an independent veterinarian affiliated with Pets Best, who also upheld the denial. This process raises serious concerns about the fairness and objectivity of the review. It is difficult to have confidence in an “independent” assessment when the outcome consistently favors the insurer, despite clear supporting evidence from the treating veterinarian. Furthermore, I am concerned that this decision sets a precedent, implying that any future ear infections Louis may experience could be automatically denied, regardless of their actual cause.
Insurer: Pets Best
By: Reeta Shah
Company use AI to give customers false…
Company use AI to give customers false information and when confronted with evidence still will not honour the claim!
Insurer: Fetch
By: Rebecca Finch
They make it extremely easy to submit a…
They make it extremely easy to submit a claim. The staff very professional and eager to help you. The claim paid promptly. Glad I chose Fido Insurance.
Insurer: Figo
By: Ann
Be prepared and plan ahead
Plan was affordable and covers a lot of unnecessary expenses I would otherwise have to pay out of pocket with no reimbursement from anyone.
Insurer: MetLife
By: Andrea Peden
Prompt Processing and Payments!
I have had two dogs insured by Pets Best for a number of years. With every claim I have submitted, both the processing and payments of claims has been very prompt! I, also, appreciate the variety of choices for deductibles and reimbursement. Customer Service has been courteous and thorough. I highly (and often) recommend Pets Best!
Trusted insurance
I'm glad I purchased this pet insurance from FIGO and claims and refunds are fair, according to one's policy. I even referred a neighbor. Customer service is good too!
Insurer: Figo
By: Shirley
I received a response within hours of…
I received a response within hours of submitting a claim, and a reimbursement shortly thereafter!
Insurer: Pumpkin
By: Mary Beth
Warning to Costco Members: Figo Pet Insurance, A Complete Scam
Warning to Costco Members: Figo Pet Insurance, A Complete Scam I have trusted Costco and its partner services for over 25 years, but my experience with Figo Pet Insurance has been appalling. My cat passed away from cardiac arrest on July 5th. I submitted a claim and reported his passing through their "Pet Cloud" app on July 6th. What followed was constant delay and hassle: first, a query on July 7th over an initial vs. full name mismatch on the vet bill ("M." vs "Mr."), and then a request for medical records on July 9th. On July 28th, they finally ruled that the entire claim applied toward my deductible. To make matters worse, I discovered they charged my credit card on July 24th for a monthly premium—billing me for a deceased pet almost three weeks after I reported his passing. When I called to fix this, instead of retroactively refunding my premium from the date of his death (July 5th), they actually charged me for four additional days through July 28th! I only chose Figo because of Costco's endorsement. I truly hope Costco reviews these partner practices and takes immediate action.
Insurer: Figo
By: Akash Abraham
Quick Reimbursement
I did a lot of research on pet insurance before I signed with one and I'm glad I did. MetLife has really met my expectations. They have never denied a claim & their reimbursement time is pretty quick, which is really important as you have to pay up front for your pets vet bills up front. The claims submittal process is at first daunting, but once you get the hang of it, it is super easy. My only pet peeve (and hence the 4 stars) is if they need more information to complete a claim or follow through, they never have contacted me nor my vet to obtain further information/documentation. They literally just stop processing the claim in hopes (this is my belief) that you will not really notice and then before you know it the 90 day grace period has lapsed. That is why after I submit a claim, I check every couple of days what its status is, just to make sure the adjustor is not "sitting" on it. Be proactive and follow your claims closely because MetLife will not follow up after you. Other than that, they have been great in every other way.
Insurer: MetLife
By: I.E.
Great Policy
Our Olde English Bulldogge had Entropion and needed surgery twice. Pets Best covered both surgeries, all of the pain meds, and the Rx eye drops, thank you!