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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Look elsewhere for good pet insurance
Beware. Dishonest company that does not care about your dog once it's a senior. On the positive side, I've always had very fast claim turnaround and little problem with what's covered, and I do think HP is still a great plan for younger dogs -- but they will literally price you out as your pet ages. The language regarding premium increases taken from Healthy Paws own website in 2016 when I signed up was: "Due to the increasing cost of veterinary care, your rates will increase slightly each year." My premium increases were reasonable until last year. Last year my rate increase went from $155.53 to $346.24 (11 year old dog). I expect the next year's premium increase will be so much I will be forced to cancel. Of course at this point my pet has pre-existing conditions so another carrier will not be an option. They never even responded to my email inquiry about my rate increase. Look elsewhere! I so regret trusting this company with my best friend's health.
They were fast and quick in processing…
They were fast and quick in processing my claims. All information is provided in explanation of benefits
Insurer: Healthy Paws
By: Stacy
Customer service is great
Customer service is great! Always available to answer questions. Claim process is also good.
Insurer: MetLife
By: customer
Easy to file a claim
Easy to file a claim. Quick response and easy to understand explanations of benefits!! I have my refunds go directly to my bank account! So happy that I chose MetLife Pet Insurance!
Insurer: MetLife
By: Cheryl
THANK YOU !!!!!
We absolutely love Pets Best and cannot recommend them enough. As owners of a beloved Sphynx cat, having quality pet insurance gives us tremendous peace of mind. When we needed to submit a claim for veterinary care, the process was straightforward, communication was clear, and reimbursement helped ease the financial stress that can come with unexpected medical expenses. Instead of worrying about the cost, we were able to focus on what mattered most our cat’s health and recovery. Our Sphynx boy is a cherished member of our family, and Pets Best has helped us provide the level of care he deserves. We are incredibly thankful for the support, professionalism, and reliability Pets Best has shown. Knowing we have this coverage allows us to make medical decisions based on what’s best for him rather than what we can afford at the moment. Thank you, Pets Best, for helping us protect and care for one of the most important members of our family.
Matteo
"My sweet boy was sick and I had to run him to emergency. Thankfully it was not serious! The comfort in knowing I had insurance to help with the situation makes it less stressful. Very happy with Pets Best. I have been a customer since owning my first pet!"
We recently joined Spot pet insurance…
We recently joined Spot pet insurance and within a few months our pet had a $1700 Vet bill which Spot initially paid $900. Our vet office made a mistake in how they wrote up the bill so they corrected it and we sent it back in for reassessment , Spot covered almost the entire bill. Very happy and the payment was quick. Pleased, would definitely recommend. As Vet bills have become so expensive, I really think that pet insurance is a must have these days..
Insurer: Spot Canada
By: Teresa
Have a Question
Well explained what's Covered. Unaware how it works? Do I get an Insurance Card give the Vet?
Insurer: Nationwide
By: Margo Conner
WARNING TO CONSUMERS !!!!
WARNING TO CONSUMERS — BE EXTREMELY CAREFUL WITH PUMPKIN PET INSURANCE *** UPDATE: As you can see below, Pumpkin did not read my complaint and left a generic response explaining pre-existing conditions — which my dog’s emergency visit was NOT! RUN from this company and do not give them a dime of your money — call Nationwide Pet Insurance!! And for all denials from PUMPKIN, call Dylan Whitehead — Head of Claims — directly on his office phone and email (available on Rocketreach) to assist in resolving this matter — then proceed to media complaints, regulatory complaints, Department of Insurance, and binding arbitration to ensure these crooks cover what you are owed ! In my experience, Pumpkin Pet Insurance appears willing to label even clearly idiopathic veterinary conditions as “pre-existing” in order to deny or delay legitimate emergency claims. My service dog recently suffered a serious emergency episode involving Hemorrhagic Gastroenteritis (HGE/AHDS), requiring urgent veterinary treatment and hospitalization. BY DEFINITION AHDS is widely recognized within veterinary medicine as an IDIOPATHIC condition — meaning the exact cause is unknown and it is not automatically tied to prior medical history. Importantly, my treating ER veterinarian specifically confirmed this distinction. Despite this, Pumpkin issued what appeared to be an extremely rapid denial attempt claiming the condition was somehow related to “pre-existing” issues. The denial occurred so quickly that it seriously raises concerns regarding whether the claim received any meaningful or medically competent review whatsoever. Remember consumers — those companies are in the business to deny your claims — NOT APPROVE THEM !! Consumers should understand: Idiopathic illnesses by definition are not automatically “pre-existing conditions.” Veterinary emergency claims deserve individualized, good-faith review based on actual medicine and veterinary evidence — not broad assumptions designed to minimize payouts. If you rely on pet insurance for true emergencies, I strongly encourage you to carefully review Pumpkin’s handling practices, denial standards, and appeals process before purchasing coverage. I am currently pursuing formal appeals, veterinary documentation, and additional regulatory review regarding the handling of this matter. I am sure Pumpkin will reply to this review spouting some generic scripted diatribe — DO NOT BE SWAYED ! Pet owners purchase insurance for peace of mind during emergencies. In my experience, this process created the exact opposite. BE EXTREMELY CAUTIOUS with this company — there are amazing alternatives out there that will not scam the consumer under the guise of pre-existing conditions (Nationwide to name one!). RUN from this company and save your hard earned money from these vultures in sheep’s clothing !
Insurer: Pumpkin
By: Joseph
Great Pet Insurance
Spot Pet Insurance has been very easy to work with when I need to file a claim. They get back to me right away and keep me advised of where they are in the process. It takes only a few days to get payment for my claim and they give me good feedback if a claim is not eligible.
Insurer: Spot
By: Kim Pierce