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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Exceptional coverage
I was skeptical about getting a pet insurance thinking that when I need to file a claim it will be a frustrating experience and a headache to get any claim approved. I was impressed how easy it was and the refunds were fair and as promised when I first registered.
Insurer: MetLife
By: Isabelle
Best Experience I've Ever Had With an Insurance Company
Anyone who knows Corgi's, knows they can be a bit high maintenance. Ear infections, swallowing objects, orthopedic issues, allergies, you name it. Our Corgi Cash is doing great, but has had some significant medical issues over the past several years. Each time I have submitted a claim to Healthy Paws, they have quickly approved and issued funds without any resistance (thousands of dollars). It makes the decision of getting Cash the help he needs so easy when I know Healthy Paws is there to support us. I'll be a Healthy Paws customer for life.
Insurer: Healthy Paws
By: Andrew
Shocking insurance company
This insurance company spends so much money on advertising and telling you to refer your friends but needs to spend more on the actual claim handlers. So far I’ve i been waiting just short of 4 months, for a large claim submitted. I’ve tried chasing it up, it’s so difficult to get through to them on the phone and when you do nothing actually happens. I’ve had my claim queried because our vets have our dog recorded as ‘dachshund’ whereas I noted him as a ‘miniature dachshund’ COME ON! Even the vets laughed thinking I wasn’t serious when I asked them to amend their records. I’ve informed them I am financially vulnerable and they literally don’t give a s…t. I gave them a second star only because when we had to claim in January they saw to this really quickly.
Insurer: ManyPets
By: Joanne
MetLife Pet Insurance
My experience so far is exceptional. Everyone I spoke to was very helpful and my claims got processed in a timely manner
Insurer: MetLife
By: Sanda
Should be named Pets Worst
I filed three claims with them after my waiting period was over. The first was for an allergic reaction related to an MCT, which was accepted and paid part of my deductible. The second was for a follow up visit due to continued health problems from the first claim. Suddenly the MCT is pre-existing and they denied my claim. The third claim was for a righty to remove the MCT and a benign fatty tumor. Again my claim was denied because they decided the MCT was now pre-existing and in addition decided the benign fatty tumor was pre-existing as well. I want to make it clear that the MCT itself was not diagnosed until a wellness exam that occurred after the waiting period. Seems to me they just didn’t want to accept the last two claims because I would have then met my deductible and they would have had to pay out on the third claim. They want to take your money and not help your pet.
Insurer: Pets Best
By: Nicole
Great service, flexible policies
Claims filing easy and typically receive payment within 30 days.
Insurer: Pets Best
By: Jim
OVERALL: THE BEST PRICED FOR THE MOST COVERAGE AND THE LEAST COST IN DEDUCTIBLE
METLIFE DOES REQUIRE DETAILS ON YOUR INVOICES, SO BE SURE THAT YOUR VETERINARIAN'S SUPPORT PEOPLE KNOW EXACTLY WHAT THE INSUROR NEEDS AND THAT THEY ACTUALLY KNOW WHAT THEY ARE DOING. YOU WILL HAVE TO FOLLOW THROUGH ON THESE PAYMENTS AS FRAUD IS RAMPANT, SO EXPECT THAT YOUR CLAIM SUBMISSION IS PROBABLY NOT A ONE-AND-DONE DEAL. ONCE MY VETERINARIAN'S OFFICE SUPPLIED ALL THE WRITTEN DETAIL REQUIREMENTS, THE CLAIM WAS PAID AND ANY MONTHLY PREMIUM PAYMENT MADE WAS PAID BACK TO ME PRO-RATA, AS OUR WONDERFUL STRAY CAT WHO ADOPTED US WAS KILLED BY A DOG THAT GOT LOSE AT NIGHT FROM IT'S OWNER. OUR ROMEO WAS APPARENTLY STILL SEMI-FERAL AND ABANDONED IN OUR NEIGHBORHOOD. OUR NEIGHBORS MISS HIM. WE MISSED HIM. WE ADOPTED A DOMESTICATED FORMERLY FERAL CAT, SIMBA THE SQUEAKER, ANOTHER WONDERFUL CAT WHO IS NOW INSURED BY METLIFE. ROMEO WOULD WANT HIS TWO-LEGGERS TO ADOPT ANOTHER WONDERFUL FORMERLY-STRAY AND ABANDONED CAT
Insurer: MetLife
By: Alan
Absolutely the best service!
My boy File' had 13-15 stones removed at a really young age. The doctors and all employees at Chateau Vet were so good to him. He was back and forth to the clinic over a 3-week period, and we never felt like a number. They call us by name as soon as we enter the building. Met Life Pets has been a life saver! I have never had a claim denied. I will never trust my boys to anyone else. THANK YOU, CHATEAU VET AND MET LIFE PETS!!!!
Insurer: MetLife
By: Debra
Highly Recommend Healthy Paws Pet Insurance!
I have had Healthy Paws insurance for one of my dogs since he was a puppy and he is now 7 years old. I have been very pleased with the coverage and service I receive from Healthy Paws. I am reimbursed for eligible services days after submission to Healthy Paws. Over this past year my dog has been treated for an unknown shoulder injury that just seems to defy the many approaches to rid him of his pain. Healthy Paws has covered all the treatments submitted and continues to do so as we get closer to a diagnosis that will hopefully result in resolving his pain, muscle atrophy and limping. I recently switched my other dog over to Healthy Paws Pet Insurance because of the great coverage and customer service I receive from Healthy Paws!
Insurer: Healthy Paws
By: Lura
HORRIBLE PRACTICES OF REJECTING CLAIMS
I signed up with Metlife Pet Insurance in March of 2023. Have filed over $900 in medical treatment for two of my pets with MetLife Pet Insurance. I was told by an agent that my insurance would cover all injuries and illnesses after 2 week waiting period and for treatments such as spaying and neutering. Every single one of my claims have been denied. I reported my one-month-old kittens who are two from the same litter, exact age. Metlife inputted the incorrect age for one of the kittens by 2 years! When I caught the mistake later, they reset my policy and had me restart my deductible payment, for THEIR administrative error. This pet insurance company is scamming customers by making it difficult to reimburse claims. I contacted customer service in mid-October to assist. They informed me the review would take 3-4 business days. It has now been over 6 weeks with no response. I have other friends and family who are sharing similar complaints. I should have known their monthly payments for the amount of supposed coverage was too good to be true. I will be following up with California Department of Insurance to flag these fraudulent practices by misstating their services upon enrollment.
Insurer: MetLife
By: Atziri