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 process and quick refunds
Easy claims process and quick refunds
Insurer: MetLife
By: customer
We used MetLife for our other dog who…
We used MetLife for our other dog who we had for 12 years and were very happy with how quick the process was to submit claims and the processing never took more than 1-2 weeks. That’s why we are choosing MetLife for our puppy now
Insurer: MetLife
By: Sarah OR Paul Amaral
Such a great experience
I was pleasantly surprised at the speed with which my claim was addressed. The amount of reimbursement was a nice surprise. I should have purchased pet insurance years ago but it’s really never too late.
Insurer: Pets Best
By: Lou Plummer
Do your research before committing, rates and coverage change dramatically over time!
I've been a Nationwide pet insurance customer for over 5 years. When I enrolled, my monthly premium was around $50 and my reimbursement rate was 90%. Today I pay nearly $300/month, my reimbursement rate was reduced to 80%, and my coverage limits have been lowered, despite never filing claims for the first several years. As soon as I began filing claims, my costs increased significantly while my benefits decreased. Now that she is older and has pre-existing conditions, switching insurers isn't a realistic option, which means I'm essentially locked in. I also want to flag that there is a pending class action lawsuit against Nationwide pet insurance that prospective customers should research before enrolling. I believe the policy restructuring I experienced may be connected to that litigation. One more note: if you look at recent reviews here, many were posted within a short window and focus heavily on individual customer service reps by name, suggesting they may originate from post-call surveys rather than organic reviews. I'd encourage readers to look at long-term customer experiences, not just recent ratings. I'm not writing this out of frustration alone. I'm writing it so other pet owners can make an informed decision early, before their pet is uninsurable elsewhere.
Insurer: Nationwide
By: Stephanie Rivera
Peace of mind!
We submitted two claims, hit our deductible and have started to get reimbursements back. I'm really thankful for this. Fast and easy submissions and quick payments. Lots of peace of mind now.
Insurer: Pumpkin
By: Elyse
Fetch did an outstanding job!!
Fetch did a great job on our claim when our dog Sassy had dental work. She is eleven and had to have twelve infected or lose teeth pulled. Fetch was fast and paid exactly the amount our policy allowed. Thanks, Fetch!!
Insurer: Fetch
By: Rita Bennett
Easy and convenient
Easy and convenient! Great coverage better than others.
Insurer: Nationwide
By: customer
Excellent service
Excellent service, fantastic staff and quick refunda. Excellent insurance for pets.
Insurer: MetLife
By: Debra DeCapite, customer
Pets Best is Best
"My dog incurred 2 autoimmune disease diagnoses within days. It was scary and the bills kept coming in even in the diagnosis phase. Pets best was very responsive and when I have submitted claims, they paid back right away directly to my Care Credit account, as requested. I really am glad to have had this for my fur baby."
Insurer: Pets Best
Veterinarian: VCA Regional Institute for Veterinary Emergencies and Referrals
By: Susan