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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Pets Best consistently exceeds my expectations
"We have had a lot of vet bills this year, astonishingly so. I had never had to use our policy before though we've had it several years. Pets Best has been amazing in processing the claims and in sending payment very quickly. It has made the worry less. Thank you Pets Best. "
Pets Best is Dependable
We first got Pets Best insurance when we got our second dog in 2023. We couldn't have seen it coming, but 5 months later our other dog was diagnosed with cancer and needed a potentially life saving surgery. It was such a relief to be able to say yes without any hesitation to save her life. Pets Best was there for us and within less than one month reimbursed us to the full extent of our insurance plan. We have been loyal Pets Best members since and have recommended them to all of our friends with pets. The ability to say yes to pet care without worrying about the financial burden is a huge relief and one that we highly value as pet owners.
Insurer: Pets Best
By: Becca
Love these guys!
The smartest thing I ever did with my 2 dogs was to get them health insurance the moment they were eligible to get it. Our last 2 dogs didn't have it and racked up impressive costs in their lifetimes. Pets Best has come through when needed and has always been easy to utilize. Recently one of our boys decided to quietly eat a small piece of cloth and then followed it with a lot of long grass and long story short, had to have it surgically removed from his stomach. Without Pets Best, that would have been really expensive. The knowledge that I never have to think twice (financially) about veterinary care for our boys is an incredible feeling. Their rates are totally fair and their coverage is excellent. I often look back and consider this one of my smartest pet decisions ever.
Outstanding service and coverage.
I wanted to share my positive review, as encouragement to anyone looking for insurance. My beloved cat Pierre, has unfortunately had a few issues, from eye surgery, pancreatitis and recently another abdominal obstruction surgery to remove a hairball. Without Pets Best, I don’t know how I would have been able to afford the care my cat had needed, and I am so grateful for how easy the process has been, every single time. Before experiencing insurance first hand, I was always worried of claim denials, but every single claim I have had, my coverage has been incredible and I have not had a single issue with any claim. Submitting my claims has also been easy and in the midst of emergency surgeries and the worries that follow, I am grateful to Pets Bets for making the financial stress that much lighter. Again, a huge thank you from me & my baby Pierre. And high, high recommendations. - Zienna
Extremely Frustrating Claims Experience - Do Not Recommend
This insurance requires a tremendous amount of forms and paperwork. The processing team frequently delays claims, claiming they are missing information that was already submitted. Then, they take another month to repeat the process, causing endless delays. Furthermore, most of the agents lack genuine care for the pet's well-being. The initial phone representatives take a long time to answer and frequently transfer you to another agent.The company refuses to cover acupuncture, falsely claiming it is "holistic." For example, my pet receives acupuncture, and the vet administers Vitamin B-12 injections (aquapuncture) immediately afterward. The B-12 is provided by the veterinary teaching hospital as a free bonus for the pet's well-being and is not charged separately. Despite the itemized bill explicitly stating acupuncture only, Pets Best discounts the full amount of $180 per session. They also arbitrarily decided to discount only $90 from $180 of total acupuncture (based on what?), meaning reimbursements vary significantly. Finally, their policy includes a separate paragraph regarding fraud, which makes pet parents feel guilty until proven innocent. The hospital and veterinarians are certified and excellent businesses, but this insurance goes the extra mile to prove that the customer is trying to commit fraud.
Insurer: Pets Best
By: Elizabeth Arias Bohart
Pets Best is mediocre for rehabilitation
Pets Best has been amazing for my family. The price hikes are insane though. Going from $150 to $250 should be criminal. Insane. The process of getting payment for rehab sessions has been a joke. We unfortunately have to slow down rehab as it takes pets best 4 weeks to get a partial payment. I have to send that to review, that takes another 4 weeks. By that point I’ve already added another package of $3k. So I have $6k in rehab packages pending. And another $3k coming up within 2 weeks. There has to be a better way to process this. Hopefully in the future there will be but for my senior dog, it’s financially ruining me even though we have the pet insurance to cover it.
Insurer: Pets Best
By: Consumer
Service with Trupanion was quick and…easy!!
Service with Trupanion was quick and easy. Upon checking out to pickup my fur baby at the vet, I identified to them my insurance with Trupanion and they said they would handle the claim immediately. My dog was hospitalized for six days and after they brought him out, I was given discharge instructions, medications and billing invoices that were already processed with Trupanion and advised that I would be receiving a credit for the prepayment that I made at admission. I was not required to file a claim and evereything was done so quick and easy. Thank you Trupanion...you're the BEST!
Insurer: Trupanion
By: Ronald
Fantastic reimbursement rate
Fantastic reimbursement rate, and very easy reimbursement process
Insurer: Pets Best
By: CJ
Trupanion covered everything without limits
Trupanion has covered upwards of $12,000 in vet care for my dog over the last three years. She's had a run of bad luck - being attacked by bigger dogs, a (fortunately operable) cancer, and a new IBD diagnosis. Every time Trupanion has paid out immediately and without question. Yes, their monthly prices are higher than other pet insurance companies, but you're paying for quality. Their support line is also extremely helpful if you have any questions or concerns. I honestly cannot recommend Trupanion enough and will be insuring my pets through them forever!
Insurer: Trupanion Canada
By: Alexandra Melnychuk
Processing of claims are so efficient
Processing of claims are so efficient
Insurer: MetLife
By: Crystine B.