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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Claims paid within 3-4 weeks
MetLife has been consistent paying claims that satisfy policy guidelines. It sometimes takes longer than hoped, but claims are addressed within 3-4 weeks
Insurer: MetLife
By: Greg K
It was an absolute pleasure to work Lauren! A delightful experience in every way. …
It was an absolute pleasure to work with Lauren with Fetch Pet Insurance. Lauren was pleasant, very patient with us and extremely knowledgeable to assistance us in choosing the right plan for our new 8 week old Goldendoodle. The plans offered by Fetch are so much better than other plans in the industry. We are thrilled to be a Fetch Pet Insurance member.
Insurer: Fetch
By: customer
peace of mind in paying for elder cat's care
Nationwide has really made it possible for me to take the best possible care of my elderly cat. This year alone I have been reimbursed around $2800 for $3300 worth of pet care. I pay about $100 month, so I have been more than repaid for my investment. When I go in to order tests or medication for her, I do it confidently, knowing that Nationwide will reimburse fairly and promptly. They have a service that deposits the refund directly into your account. I have never had a problem with getting services or prescriptions reimbursed that were covered by the plan. When animals are young, it's easy to think that insurance is an expensive luxury, but as they grow older and need more intensive care, insurance is critical.
Insurer: Nationwide
By: Linda Haverty Rugg
Works really fast and is detailed
Works really fast and is detailed. Easy to use and straight to the point.
Insurer: Pets Best
By: Alicia
Always professional and quick with…
Always professional and quick with payouts. Very important since owning a pet isn't cheap!!
Insurer: Spot
By: Victoria Giordano
Healthy Paws has been very easy to use…
Healthy Paws has been very easy to use and submit claims too. They have responded quickly to claims and have made the reimbursement funds available within a day or two. I highly recommend them.
Insurer: Healthy Paws
By: Steve M
My dog
My dog, Pedro developed cancer in his right rear leg. Diagnostics to figure out what was wrong got expensive fast. Then we decided the best thing was to amputate it. He's back to his happy old self and making do very well on 3 legs. Healthy Paws insurance helped cover the big vet bills.
Insurer: Healthy Paws
By: Steven Funk
Think twice before getting a policy with this company
My issue started with my first claim. I've called in numerous times asking why I never received a refund. All of the necessary documents were uploaded. For some reason they keep asking for documents they already have. The rep's in the call center have confirmed numerous times all of required paperwork was received. Four months later and I still haven't received a refund. They asked me for medical records dating back to January 2025. My puppy was born in April of 2025. I will not renew my policy next year. Too bad I didn't read the reviews before taking out a policy with this company.
Insurer: ASPCA
By: Patricia Ann Jackson
I wasn't sure that insurance was worth…
I wasn't sure that insurance was worth it but on the first visit I paid $249 Embrace reemburshed me $150 of that, which is great. They didn't give me more I guess due to the fact that one charge was a fecal test at $70 so its all good. I have 90% and $100 deductable.
Insurer: Embrace
By: Joseph Ricci
Do not work with Lemonade
I adopted a rescue dog and immediately took her to the vet. She displayed some itchiness. The vet thought that it was caused by fleas/whatever she was exposed to as a stray. I got pet insurance a few weeks later and was a loyal customer with Lemonade for a year. ONE YEAR LATER, my dog had some stomach issues. She was given medicine and had a stool sample taken. The vet still doesn't know what caused it, but suspects an allergy to food. I sent in my first claim after a year of paying dues to Lemonade. They deny it. They say that since food allergy COULD be a potential diagnosis and since it has the word "allergy" in it, then it is a pre-existing condition, since itchiness from a year earlier COULD also retrospectively be caused by some sort of allergy. Absolutely unacceptable. I feel so powerless.
Insurer: Lemonade
By: Nell