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.
64,674 total
Other Categories
Great service
I adopted my Meow in March from a private party who said she was in great shape other than needing one updated shot. I immediately set her up with a veterinary clinic and purchased a Met Life insurance policy. After giving her a few weeks to adjust to her new home I took her in for a complete examination and was told she was healthy but needed her teeth cleaned and a couple extractions. When they sedated her for the teeth cleaning and extractions they discovered she had resorptive dental lesions throughout her mouth, a very painful condition, and would need to have a full mouth tooth extraction which must be done by a dental specialist. Now that she is no longer in pain she acts like a kitten even though she is 6 years old. The total for everything came to over $6,000 dollars and Met Life covered 80% after the small deductible. The claim was handled promptly and the Met Life employees were courteous and very helpful. I’m so thankful l have Met Life coverage for my Meow.
Insurer: MetLife
By: Jean
Pet's Best Doesn't Care about your Pet. They are f'n vultures
So yesterday I accidentally cancelled my pet's insurance because my brother was moving out and hoping to take our family dog with him. My brother didn't realize until he was walking our dog that the development he just moved into had a small dog only policy (under 10lbs) and that there was no way he can take our dog with him. Today (less than 24 hours later) I called back Pet's Best to tell them the dog was staying with me and they said they couldn't change the cancellation I put through and if I wanted to get a new policy they get me one but any issues she had before would be considered pre-existing conditions and they would no longer cover it. After expressing how upset I was with their answer all the customer service rep could say was "Well that is your fault you cancelled". If your pet is like a child to you as it is to me this proves they don't care about you or your child so they can go f*ck themselves.
Insurer: Pets Best
By: Sergio
So far, so good
My furbaby is only 2 years old with no pre-existing conditions. He hasn't had multiple problems so I haven't had to submit many claims, but, for the most part I've had no issues getting reimbursed and the turnaround time was decent.
Insurer: MetLife
By: Helen
Claims take forever then always denied
I purchased Pets Best most comprehensive plan after adopting a new dog, and now, five months later, I just canceled it. Don't bother with this company. Keep looking. In those five months, I filed two claims. Both claims two about 6 weeks to process and then they denied everything as "pre-existing conditions", including things like a vet appointment and antibiotics for an open wound that occurred two months after the policy started. Luckily, those were fairly small bills, but I can’t imagine how angry I would be if it was something more serious and more expensive. Based on my experience with them, I imagine that would involve some financial struggle while waiting for reimbursement on two month old claims followed by fighting for even longer to get the eventual denials reviewed.
Insurer: Pets Best
By: Justin
WARNING - please don't go with PHI!!
I am devastated at my poorly made decision to switch to PHI Direct. I did not fully understand their policy (my own fault), and that decision has for sure shortened the life of my dog. Once they have a condition that needs to have a claim, they will only cover that until the next time the policy renews. If you have a breed that is likely to have an ongoing issue (such as a heart condition), sorry about your luck, they'll only cover it for the remainder of that policy year (if they cover it at all), then they consider it a pre-existing condition. Crappy customer service, long wait times, no invoice. Just awful! Please please please understand this policy clearly before you consider signing up. The cheaper premiums are that cheap for a reason, and not worth losing your pet early because you suddenly can't afford to keep treating their condition. What is the point of having insurance if they stop covering you once you have a problem? Please take this warning and avoid this company if you want long term coverage.
Insurer: PHI Direct
By: Kelly
Healthy Paws is excellent insurance
Healthy paws is excellent Insurance. My five month old puppy had an accident in our pool and two weeks later had another problem with an obstructed intestine needing surgery. Healthy paws was there for both incidents without question and handled the claim quickly and completely. As long as I have a pet, I will always have Healthy Paws insurance. Thank you Healthy Paws!
Insurer: Healthy Paws
By: Jennifer
Read the fine lines, especially with breed exclusions!!
Our accident only ins plan covered basically everything BUT a 'cruciate ligament tear' which is basically the same as a torn ACL in humans. So b/c Beagles are more prone based on their stature, weight issues, etc etc blah blah blah... we had to pay out $4800/knee?!?!?!? I signed up for ins immediately after taking ownership of our pup & NEVER missed a darn monthly pymt EVERRR!! Typical insurance game... you need or responsible with taking out a policy for the "what-ifs" & then when those do happen in life there's ALWAYS some reason or excuse as to why you're NOT covered🙄 Ridiculous!
Insurer: Pets Best
By: Julie
Highly recommend Healthy Paws!
I have been using Healthy Paws pet insurance for over 2 years(for my 2.5 year old cat), and I highly recommend it as a pet parent. Every claim I've submitted (around five in total) has been processed and approved , usually within a few days. The total claims amount to over $16,000, covering various events including surgery, ER visits, and other unexpected incidents. What initially drew me to Healthy Paws was the thorough research conducted by my workplace's pet parent community. They evaluated almost every pet insurance company out there, and Healthy Paws came out at the top in all aspects. Unfortunately, many providers have a high rate of declined claims. Healthy Paws stood out with the lowest number of declined claims among all the companies reviewed.
Insurer: Healthy Paws
By: Rajvi
Total rip-off
I would give Trupanion a negative-five stars if that was available. A total scam. I have paid in $12,000 and when I finally brought my dog in for the first ever time for a leg injury, they would only pay $321.97 of a $1,283.30 emergency vet bill, thereby leaving me to pay $961.33. Their reasoning? First a $500 deduction on EACH visit for a new "ailment", not the annual onetime $500 deductible that is common for health and prescription coverage, which I could have accepted. They would also not cover the emergency exam, nor the resultant prescription (because it was not a "category" they choose pay for). After so many years of paying them, I immediately canceled...
Insurer: Trupanion
By: Thomas
Wonderful customer service and best insurance!!
I had my Sunny for 2 wonderful years. He was a rescue dog and we had no idea what’s his life was like before we found him. We took him in and decided to get him insured with This wonderful pet insurance. I was referred by my friend. That’s how good they are. They are referred by others. I’ve done the same. They were very supportive with my claims since day one till his passing. We’re so heartbroken and they made the claims easier for us till his last minute. They even cancelled his insurance which I thought it was wonderful because I don’t think I could have been able to do it. Thank you guys!! I’m very happy with Pets Best, they live up to their name!!! Francis
Insurer: Pets Best
By: Francis