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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Reptile Insurance
The review form did not allow me to select reptiles as the pet. I had to select a dog/cat so this review is not about a dog, but reptiles. We have MetLife Pet Insurance for our savannah monitor and Chinese water dragon. MetLife Pet Insurance is incredibly easy to use and quick to reimburse. They are helpful when I needed guidance when starting the insurance. We have made multiple claims, all of which have gone smoothly. I highly recommend them.
Insurer: MetLife
By: A
Hassle free coverage
Had to euthanize our beloved girl recently. Last few months of her life she had been injured by botched biopsy surgery then developed an abdominal bleed from Cancer. All of the vet bills plus all her medicines were submitted and reviewed efficiently , easily, and quickly. Highly recommend MetLife pet, can’t say the same about MetLife (human) dental insurance which is a nightmare.
Insurer: MetLife
By: Lara
Two Days after signing up
Our puppy pounced on a pair of garden shears and needed stitches on his mouth/muzzle. Claim process was easy, payment made promptly, and the whole event (well except for trying to keep a cone on a 10 week old puppy) was as smooth as we could have asked. We won’t be taking advantage of the vanishing deductible, but so glad this rambunctious pup had insurance.
Insurer: MetLife
By: Karen
Wonderful service
Our sweet little dog suffered a ligament tear in his left hind leg. He required surgery to repair it. Pets plus us insurance reimbursed us in 9 days. I’m so grateful for their support.
Insurer: Pets Plus Us
By: Fay
Affordable and easy
Buying insurance with Pets Best was easy and fast. The rates are affordable and they offer a few different options for plans. Filing a claim was easy and done online within minutes. My claim was approved and went towards my chosen deductible which is what I expected would happen. It did take almost 2 months to process my claim as they were very busy but I was kept up to date during the wait. So far I am very happy with this insurance and have recommended it to others.
Insurer: Pets Best
By: Tammy
Easy and Fast
Uploading claims is quick and easy, just snap a photo of the invoice and click submit claim. My claims are usually reimbursed within a week. Best choice I made for all three of my furkids.
Insurer: Nationwide
By: Marion
Good insurance
My dog developed Addison’s disease three years after getting him at 8 weeks. Pet’s Best has covered his prednisone and glucocorticoid monthly shots and it has been a very helpful role on their policy . My only complaint is that before I got the Pet’s Bed policy my pet got a right ear infection . This was not covered . However , since getting the policy my pet has had a left ear infection and they will not cover the left ear infection even though it came after the policy was obtained and in effect . Otherwise they have been very good .
Insurer: Pets Best
By: John
Beware of MetLife!
I adopted my cat 11/28/23 from a shelter. I signed up for pet insurance for her at the shelter. The shelter provided all information and there was a clean bill of health and no pre-existing condition which was provided to MetLife Pet Insurance. The cat developed gas and diarrhea a little while after adoption. Pet insurance clearly states that is active immediately there is no waiting period. I hit my deductible I submitted my claims and sure enough they denied me. They claim she has a pre-existing condition because it started shortly after adoption. That is not a pre-existing condition it's a condition that arose after I adopted her and now they are claiming I have to go through an appeal process which can take upwards of 45 days. People get insurance for a reason for emergencies when they need it so they are covered. Clearly they are a company who does not stand by their word that claims your pet is insured from the moment you get the plan unless it's a pre-existing condition which there is absolutely no documentation of such prior to signing up for the plan. What happens if you can't afford the test your pet dies you have to get a lawyer and pursue this legally? I noticed they don't have a spot to put reviews on their website only the shining ones that they post. I can see why that is. I would strongly suggest looking into another pet insurance company do not waste your time and your money for them to look for loopholes and not back up their plan.
Insurer: MetLife
By: Kristen
So Glad I Got Pet Insurance
Healthy Paws insurance was a lifesaver when my pup ruptured her CCL Christmas Eve and needed surgery a week later. There was a bit of a hiccup getting the various computer systems at HP to accept and combine health records, which resulted in delay in processing the bill for the emergency room visit. However, once this was cleared up, the bill for the actual surgery was processed and money auto deposited within 48hours of submitting the claim. One other thing (clearly spelled out in the policy, but good to remember) is that this plan covers “treatment” (X-rays, surgery, medicine) but not fees for office visits or consultations. Explanation of benefits was very clear and customer service employees were very helpful. I took the dog to Spry Companions in Centennial CO, where both doctors have over 10 years experience with CCL surgery and it was a great experience.
Insurer: Healthy Paws
By: Mary Ann
Great help for procedure prior to med use
This claim was for a procedure done prior other medical procedures our vet had recommended. The vet's office wanted to make sure our cat's heart could manage the effects of anesthetic used during the procedures. We appreciate the thoroughness of the review of the claims department personnel.
Insurer: Trupanion
By: Patricia