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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Difficult to get your claims approved
Pets best keeps increasing my premium, I pay about 3 times more than what I paid 3 years ago, also they don't let me change my policy, unfortunately, I'm stuck because all dog's insurance companies are the same, my dog has a condition that would be considered as pre-existing if I change her insurance. Every time I try to submit a claim with Pets Best, they make it harder and change the rules, and they take super long to reimburse if they approve your claim. Customer service is poor and rude. I do not recommend this insurance to anyone, find a company that responds better to claims submitted.
Insurer: Pets Best
By: C
Claims Experience
Ease of submitting claims Speed of Claims processing
Insurer: Adoro
By: Matthew
Pets Best is the Best
Our dog started having seizures for which he required emergency care. A subsequent MRI revealed that the cause of the seizures was Valley Fever in his brain. We were able to hospitalize, scan/diagnose, and treat his condition without incurring massive debt thanks to our coverage from Pets Best.
Terrible: DO NOT BUY FIGO Insurance
The fine print and layout of the explanation of the benefits is deceptive. The graphic that summarizes the policy benefits shows two circles - one says $500 deductible, and the other circle says "unlimited". The categories of benefits listed below do not apply to the deductible. ALSO, I was unaware that there was a 181 day deadline to file claims. After spending $716. for one dog, and $657 for my second dog, I am being denied most of my claims because they are "late". My brother was diagnosed with terminal cancer and I am caring for him so I wasn't in any hurry to file my claims. I only learned about this "late" policy by calling the company. The claim summary on the app does not explain this, one just sees "$0" benefit. When you submit an appeal the company they have 5 days to acknowledge the claim, then in 30 day increments they let you know know that things are "in review", until they have made a decision. It is rigged to insure that the company keeps most of your premium. I would have saved money if I hadn't bought these policies.
Insurer: Figo
By: lynne
Consisten, Clear Claims Process!
I have two dogs and two insurance policies. Whether I am submitting a well-dog or sick-dog claim, the process is always the same. They acknowledge your claim immediately, let you know if it may take longer than expected, and quickly respond (and pay). If your claim is denied, they explain why and tell you how to get in touch with them if you disagree or have questions. I never have questions because they are so thorough!
Insurer: Pets Best
By: Candace
Excellent service by Pets Best
"My two dogs ended up with situations requiring surgery -- within two weeks of each other. In 60+ years, only once have I had a dog requiring surgery. Then this. The bills were high. (And the recoveries have been very slow). I was so grateful that Pets Best reimbursed me the 80% within two weeks each time. I couldn't have paid for those bills OOP. I hate to think what the consequences would have been."
Pet Claim
The claim involved simply filling out an emailform and sending a picture.
Excellent Pet Insurance Company
Since February of 2026 we tried to get a diagnosis for our cat Lui. He had lost a lot of weight and was having gastric issues. We went to two different vets from February through July, a specialist for a surgical biopsy in July, and finally to the Animal Cancer Care center after Lui was diagnosed with two types of cancer. Pets Best made a very emotional and distressful time for my husband and I easier by giving us financial peace of mind. We have had coverage on our six cats for many years, but this year was the first time we've had to file claims. The claim submission process is very simple and convenient. Our claims were reviewed within 2-7 days and every one of them was paid with no questions. We use Care Credit and our claims are paid directly to the card. We finally have Lui on a treatment protocol and he's already feeling better. Pets Best has made things that much easier for us because we don't have to worry about paying high vet bills!
Worth it!
I'm so glad to have Pets Best to help with my dog's complex needs. I've always found the claims process easy to understand, and so far it's covered everything that I've expected it to. It's been very much worth the investment!
Insurer: Pets Best
By: Teresa