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 to submit claims.
Easy to submit claims. Always reliable coverage for my frequent flyer dog.
Insurer: Pets Best
By: Karla Anderson
They can't get their technology to work
For many months their website has not worked, nor has their app. I don't understand how the company cannot fix this. I had to email the claim. I didn't receive any receipt notification. They did pay efficiently on the day I was about to call to check.
Insurer: Pets Best
By: John
Pros and cons
1. The insurance covers a good amount 2. Contacting customer service is a handful it’s hard to get into contact with someone but once you do they do solve your problems. 3. I have conflicting opinions on how long it takes to get claims back some have taken a few days where I’ve had others go on for 3 weeks and have called with no update on them. 4. I would much rather dentals be covered by illness and injury rather than wellness. Dentals are very pricy and normally if you are giving dental chews and things like that it is preventative however if it’s not enough a dental is needed and it’s not covered under the injury or illness like I had thought. It deceived me a little cause I saw dental in my agreement but only for broken teeth which was not pointed out to me. So I will have to pay for the procedure all out of my pocket.
Insurer: Prudent Pet
By: brooke
Overall good experience
I've had a good experience with Spot Pet Insurance overall. The enrollment process was simple, and it's reassuring to know I have coverage for unexpected vet expenses. The claims process is straightforward, and I appreciate being able to manage everything online. The only reason I'm giving 4 instead of 5 stars is that reimbursements can take a little time depending on the claim, and understanding exactly what's covered requires reading the policy carefully. That said, the peace of mind and financial protection have made it worthwhile. I'd recommend Spot to other pet owners looking for reliable pet insurance.
Insurer: Spot
By: Sandy Horst
They were fine for the first year
They were fine for the first year. After a year and reaching my deductible they raised my premiums from $35 a to $205 a month. I see reviews saying they process claims quickly. Yes they deny claims very quickly.
Insurer: Healthy Paws
By: Gerard Moriarty
I honestly don’t get the positive reviews
Update: in response to Fetch below. I have had this insurance for over 17yrs, way before your company took over. My other pup has Healthy Paws; this year alone they covered 2 major vet visits but didn’t increase their annual premium by even $1. Whereas, with Fetch, there was NO END to annual premium increase by hundreds. Read the room please, there are many posts on social media calling you guys out for the greed by which you take advantage of pet parents. I have over 1MM combined followers on my pet accounts; I’m not the only one complaining about your shady practice. Original Comment: I honestly don’t get the positive reviews when Fetch is one of the most greedy pet insurance companies in the market presently. Upping annual premiums by 100%-300% is what grifters do, not companies that genuinely want to help pets. They always have an excuse to not reimburse expenses. Ultimately we ended up canceling insurance for our senior pup - it makes no sense to pay $7k+ premium, plus deductible/copay for max $15k payout. My younger one has Healthy Paws; the difference between the two insurance companies is night and day.
Insurer: Fetch
By: GAURI SIKKA
I’m supposed to have a company discount…
I’m supposed to have a company discount however the price I pay is more than the quote that I received. My puppy has had multiple urinary tract infections and every time a claim is filed, MetLife claims it’s a preexisting condition. How can that be? Apparently they don’t truly know the difference between preexisting condition and reoccurring condition. So my claims are not paid. I even resubmitted the paperwork from the vet showing the uti had cleared . Ugh I have wasted too many hours on this!
Insurer: MetLife
By: Denise
claim was done in a quick way
claim was done in a quick way, thanks
Insurer: Pumpkin
By: Frederick
Delay with claims
Trying to find out why when I submit two claims one after the other, you process one and queue one and the second one takes too long to find out if you’re going to pay it
Insurer: ASPCA
By: Patricia Phillips
Very Disappointing
We have been with pets plus us since our dog was a puppy - she is now 10. no major claims. Of the ones that I've submitted lately, no reimbursements were issued. They take co-pay amounts out first to reduce the amount that can be used against deductible...making it harder to reach your deductible obligations - meaning that the $500 deductible is only eliminated after 6 or 700 in claims. so bottom line: over $1400 per year in payments plus $6-700 deductible and copay nonsense means over $2000 per year and still no sign of reimbursement. I'm very disappointed in the service to date and would never sign on with them again. I'm definitely not signing my new puppy up with them.
Insurer: Pets Plus Us
By: c