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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Misleading and expensive
Misleading and expensive. I had signed up for my kitten's pet insurance. I have the wellness basic plan and have spent about $1,200 during 2 visits. I've received $105 back in total as that is the MAX I can get for vaccines and other procedures. To make it worse, I have a $500 deductible. ZERO DOLLARS WENT TOWARDS MY DEDUCTIBLE. I will be cancelling
Insurer: Figo
By: Matthew Prater
Finally Found the Right Pet Insurance
I spent months comparing different insurance options before choosing Spot, and I’m so glad I did. The coverage is clear, the claims process is simple, and reimbursements come quickly. Having both accident and illness protection gives me peace of mind, and I love that I could customize the plan to fit my budget. My dog had an unexpected surgery recently, and Spot saved me from a huge financial burden. Highly recommend to all pet parents.
Insurer: Spot
By: Dwi Haryanto
Pets Best is the Best
I have two dogs and both are insured by Pets Best. I have filed several claims and they have been easy to file and the response has been great.
Insurer: Pets Best
By: Mayra
Stress-Free Claims
"My dog has had a couple illnesses in his life, the most recent requiring multiple appointments and tests. After each visit I would get an emailed receipt from the vet and upload a new claim. The process is very straightforward and requires only a few steps to complete. The review period is quick and payment for approved claims is received within a few days as promised. No matter how many claims I have submitted, or how much they were for, Pets Best has taken care of them in the same manner. Such a relief! Thank you! "
Read Your Policy Carefully!
I learned that once you ever have a claim and you lower your reimbursement % and raise your deductible amount you can't change it back. AND, this next thing I'm going to describe is the reason I canceled one of my dog's policy. I read an EOB closely and discovered the reimbursement % is taken off DURING the deductible period. Yes. If you have a $1000 deductible with a 50% reimbursement and file a $1000 claim, it goes like this: $1000 - 50%=$500.00 towards deductible, not $1000. If you thought the DEDUCTIBLE was fulfilled, YOU'RE WRONG. In this scenario, you will have to file $1500 in claims to fulfill a $1000 deductible. If you have a $250 deductible with a 80% reimbursement and file a $250 claim, it looks like this: $250 - 20% =$200.00 towards deductible. That's right! Your reimbursement % is calculated DURING your deductible period. BUYER BEWARE!
Insurer: Healthy Paws
By: Wg Newman
Satisfied Customer
Review of my claim was quick and funds deposited into my bank account within a matter of days. I've never had pet insurance before so this was a positive experience.
Insurer: Spot
By: M. M.
Carla is the BEST!!!
Hello Fetch! Please give CARLA a HUGE RAISE!!! Carla made my shopping experience pure bliss. She answered all my questions with kindness and professionalism. She was able to empathize with my current flea crisis. She is very knowledgeable about all the wellness coverage, illness and injury coverage, and how to use fetch's pharmacy. And most importantly she made me laugh :) Thank you Carla, and I wish you all the best in the future!
Insurer: Fetch
By: PLUTO
Inconsistent responses/ poor customer service
I filed a claim for my 7-month-old puppy at the end of August. When I was notified that additional information was needed, customer service informed me to get full notes from my vet and email them. My claim was denied because medical records were required for at least a full year, which didn’t make sense. After two weeks of no response, I called again and was told the claim would be reopened. However, after another week and a half, I was informed that the claim was not reopened. Finally, a third rep reopened my claim and ensured a follow-up. When I received a denial a few days later, it stated that I only had accident coverage instead of both accident and illness. I understand this, but why wasn’t this included in the original denial? Due to the poor customer service and inconsistent responses, I’ve canceled and gone to another service.
Insurer: Spot
By: Jaleesa Taylor
I love Pumpkin
I love Pumpkin! They’re always there when I need them and reimburse me quickly for services.
Insurer: Pumpkin
By: Lourie
Easy claim process
Easy claim process. Quick processing and direct deposit of our reimbursement. Was expecting a hassle based on history with previous pet insurance company for a different dog. Previous insurance company always managed not to pay a claim. SPOT is fantastic. Thank you for living up to my expectation for a pet insurance company!
Insurer: Spot
By: Bill Rickley