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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INTENTIONAL FRAUDULENT REVIEW OF CLAIM
They used the fact that the vet did not see a foreign object in his paw, despite the fact there was a very large wound, it was infected, and they needed to clean it out and prescribe antibiotics, as an excuse to deny the claim. They said since nothing conclusive was found, they could not cover the claim. When I pointed out that the vet said it could have been a foreign object, the claims adjuster had no reponse other than to say the vet did not find anything conclusive. I asked what else could have caused a large wound and needed the care that it did. Again no response. I am filing a claim with the insurance commissioner against them. I would love to be able to file a lawsuit against the adjuster personally for fraud, but I'm not sure it is worth the trouble. I might do so just to prove a point. Horrible company.
Insurer: Embrace
By: BC Mentior
Quick claims processing
My recent claim and others have been processed quickly. Love the wellness coverage.
Insurer: Pumpkin
By: Michelle
THE WORST PET INSURANCE COMPANY. Terrible and slow customer service, dodgy practices, deny legitimate claims.
I am writing this review to warn other pet owners. We purchased a top-tier, unlimited-benefit plan from Pets Best, believing we were doing the responsible thing for our dog. When she needed a necessary $6,500 surgery, our claim was denied. The denial was based on a "pre-existing condition" from a minor, completely resolved skin issue that occurred in another country over two years (29 months) before our policy even started. We appealed, providing clear evidence that the two issues were unrelated. Most importantly, we submitted a formal letter from our board-certified veterinary surgeon who explicitly stated that the conditions were "clinically distinct" and that the new problem was triggered by environmental factors after our policy was in effect. Pets Best ignored the specialist's expert medical opinion and upheld their denial through two separate appeals. If you are looking for an insurance company that will stand by you, look elsewhere. Pets Best has shown that they will use any loophole in their policy to deny a legitimate claim, even when faced with overwhelming medical evidence to the contrary. They do not operate in good faith. We have since canceled our policy and strongly advise other pet owners to avoid this company.
Insurer: Pets Best
By: Renata
The worst
The worst . Very disappointed. They take the premium by never pay out .
Insurer: Embrace
By: Donna G
The claims we have filed have always…
The claims we have filed have always been taken care of efficiently and promptly. Response time is top notch!
Insurer: Spot
By: Robin Wrabley
Submitting claims is easy
Submitting claims is easy, and review and payment happens relatively quickly. Also really like that there is an annual deductible option and not just a per-incident option.
Insurer: MetLife
By: Lauren
Quick and painless
Quick and painless. Processed my claim and reimbursed quickly.
Insurer: Spot
By: Robyn Madsen
Submitted a claim for the first time…
Submitted a claim for the first time and very unhappy on their response to it so far. Refereed to my family member as "xpetx" in their auto fill spot. Tried to log into my account to dispute and got "The service is unavailable". Tried to call but they do not have access to anyone on weekend. See what happens next week.. hopefully can login/speak to someone.
Insurer: Embrace
By: m eagan
It’s scary enough when your pup is…
It’s scary enough when your pup is sick. With Fetch we were able to put her needs first without the financial worry.
Insurer: Fetch
By: Nancy
I would give this a 5 but I just signed…
I would give this a 5 but I just signed up and have no idea how they will perform when I need them. Beyond that, they offer a vast array of coverage including unlimited which I need for my Savannah cat. Better safe than sorry paying a huge vet bill.
Insurer: Embrace
By: Erik Radcliffe