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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Figo is a great insurance
Figo is a great insurance. It's so user friendly in filing claims, explanation of charges & credits is clear & precise. Getting refunded is quick & effortless! You can pick your type of coverage needed. We have definitely saved a lot on vet bills. We got Figo insurance through Costco which added to the savings.
Insurer: Figo
By: CHRISTINA
Very responsive to claims and makes the…
Very responsive to claims and makes the process easy!
Insurer: Healthy Paws
By: Ben B
Processing Claims
I like the way you process claims. You are very fast processing claims and once completed you notify and explain each part of the claim and how it was process and what amount of money will be refunded.
Insurer: Spot
By: Christina Alessandra
I have two rescued dogs
I have two rescued dogs and this is the first time that I have pet insurance coverage (7 previous rescued bichons). Very happy with the Healthy Paw's customer service, speed of paying claims, and the claim process. Clear instructions. Coverage outlined in non-legalize language. Highly recommend.
Insurer: Healthy Paws
By: Kathleen
Nice and easy process to file my claims…
Nice and easy process to file my claims and very fast decision making on what will be covered and paid. Then very fast payment even without direct deposit.
Insurer: Healthy Paws
By: Richard Miller
Pre-Existing Condition
My dog got a UTI and ear infection and this was labeled as a pre-existing condition. How is a UTI and ear infection a pre-existing condition? Make it make sense.
Insurer: ASPCA
By: Jonathan Hart
Highly Recommend Pets Best
We've insured two dogs with Pets Best. Our previous dog was diagnosed with kidney failure, and our recent pup was diagnosed with chronic lymphocytic leukemia. Both our pups have passed, but their medical treatment enabled them to have a high-quality of life up until the very end. Submitting claims on the Pets Best website was super easy and customer service representatives were always knowledgeable, courteous, and available. Explanation of benefits and reimbursement were always prompt. Having medical insurance for your dog makes the medical decisions easier. It would be tragic for veterinary costs to negatively affect the decisions for your dog's wellbeing. We will definitely use Pets Best for our next dog. "
Disputed Claim Denial Despite Veterinary Support
I am extremely disappointed with the handling of my claim by the 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.
Ease of doing a claim
Ease of doing a claim! Simple. Everything is very quick.
Insurer: ASPCA
By: john ayers