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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Easy claims submission
Easy claims submission, prompt reimbursement
Insurer: MetLife
By: customer
There is such a burden
There is such a burden! Time limits, SOPs, etc. My vet is very slow to finish charting and SOPs, so it’s a challenge for me to get things in on time. Then the requests for information is ridiculous. For example, I submitted the order for her monthly flea/tick/heartworm prescription and her eyedrops. I used the vet pharmacy and the paperwork showed that but I still received requests for more information. Ridiculous and burdensome at a time such as this. Also, the app is finicky and glitchy and not really that user friendly but you don’t miss a beat trying to sell me something.
Insurer: MetLife
By: Jaretta
Fast payment
When all the documents are provided, claim payment is fast.
Insurer: MetLife
By: Ben Chaff
Good coverage and fast processing
Good coverage and fast processing times. The application is easy to use and submit claims. When I have had questions, they were answered quickly and with enough information to help.
Insurer: Spot
By: Jennifer
Easy submission process for insurance…
Easy submission process for insurance claim and quick turnaround to receive pay out.
Insurer: MetLife
By: customer
My experience with MetLife Pet has been mixed…
My experience with MetLife Pet has been inconsistent. When I first signed up, I had one policy for both of my dogs, but when I added a new dog to the household, I was told that was no longer allowed, so now I must have two separate policies. And the policy I have for my first dog was no longer offered, so they are different in scope and coverage, which is sometimes confusing. I also was told that my new dog had a "pre-existing condition" even though I signed her up as a 9-week-old puppy, because when she was diagnosed with a skin infection at 4 or 5 months old, there was a reference to itchiness in her files, which was classified as allergies. That was unexpected and annoying. Finally, sometimes I get reimbursed for claims quickly, within the time frame quoted in the policy. Other times, it takes longer and I have had to email and/or call and/or chat with someone to ask for an update, and I'm usually told that it's because they are waiting on SOAP notes, then the timeframe starts over. When I have provided SOAP notes, I have been told that it's processing and may take a little longer. Then, suddenly, a reimbursement notification will come along out of the blue. All of that said, most of the things I expect to be covered are covered. But one of my policies for my dogs has jumped in price to over $200 per month, and my younger dog is nearing $90/month, so I may have to look elsewhere to see what kind of options are available to me. I don't dislike MetLife Pet, but for what it costs, I'm not sure if it's worth it
Insurer: MetLife
By: Erin Sullivan
I am really happy that I signed up for…
I am really happy that I signed up for this insurance for my dog and cat. It is so easy to submit claims and the customer service reps are always very helpful.
Insurer: MetLife
By: Meegan G
The app is not user friendly and I…
The app is not user friendly and I frequently receive the dog off leash (creative and cute error msg, but not necessarily the best time for jokes when the customer can't complete task). The most inconvenient piece is that I have to call almost every single time to follow up on claim or dispute the denial. Now for some good news, all agents have been extremely helpful in resolving my claims. App, automation and process needs work.
Insurer: MetLife
By: customer
Nationwide is good at poor customer service
Nationwide had been a good pet insurer for our family until recently when they more than tripled the monthly cost for less coverage. When I cancelled my account with them two days before my monthly payment is due, they took the payment out anyway and since they require payment one month in advance, they now have over $600 of mine that they will not refund for ten days. Not only that, I was not able to remove my credit card from their system when I cancelled. They are definitely not worth my time or money and I am happy to be insured under another company's policy. Poor customer service is obviously far more important to Nationwide than ensuring my dog's health.
Insurer: Nationwide
By: Sarah
Claim process is very easy and quick
Claim process is very easy and quick, and the coverage is as promised.
Insurer: MetLife
By: Steve S.