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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Great insurance
We have been very pleased with Petsbest for our insurance. Our shepherd had a life threatening illness and required a stay at an emergency veterinary clinic. He thankfully recovered. It helped to know that Petsbest had our back!
Insurer: Pets Best
By: Karen Naber
Filing a claim was easy and it was…
Filing a claim was easy and it was approved and paid very quickly. What a relief when dealing with a sick fur baby to not have to stress about red tape or the financial side of things. Thank you!
Insurer: Pumpkin
By: Tanya
Disputed Claim Denial Despite Veterinary Support
I am extremely disappointed with Pets Best Insurance claims department. My dog, Louis, was treated for an ear infection in November 2025; however, the claim was denied solely because he received Cytopoint for allergies during the same visit. The claims department concluded that the ear infection was related to his allergies, which I strongly dispute. To support my case, I provided a detailed letter from my veterinarian; however, this documentation was not accepted. I appealed the decision twice, yet the claim continued to be denied. The final review was conducted by an independent veterinarian affiliated with Pets Best, who also upheld the denial. This process raises serious concerns about the fairness and objectivity of the review. It is difficult to have confidence in an “independent” assessment when the outcome consistently favors the insurer, despite clear supporting evidence from the treating veterinarian. Furthermore, I am concerned that this decision sets a precedent, implying that any future ear infections Louis may experience could be automatically denied, regardless of their actual cause.
Insurer: Pets Best
By: Reeta Shah
Company use AI to give customers false…
Company use AI to give customers false information and when confronted with evidence still will not honour the claim!
Insurer: Fetch
By: Rebecca Finch
They make it extremely easy to submit a…
They make it extremely easy to submit a claim. The staff very professional and eager to help you. The claim paid promptly. Glad I chose Fido Insurance.
Insurer: Figo
By: Ann
Be prepared and plan ahead
Plan was affordable and covers a lot of unnecessary expenses I would otherwise have to pay out of pocket with no reimbursement from anyone.
Insurer: MetLife
By: Andrea Peden
Prompt Processing and Payments!
I have had two dogs insured by Pets Best for a number of years. With every claim I have submitted, both the processing and payments of claims has been very prompt! I, also, appreciate the variety of choices for deductibles and reimbursement. Customer Service has been courteous and thorough. I highly (and often) recommend Pets Best!
Trusted insurance
I'm glad I purchased this pet insurance from FIGO and claims and refunds are fair, according to one's policy. I even referred a neighbor. Customer service is good too!
Insurer: Figo
By: Shirley
I received a response within hours of…
I received a response within hours of submitting a claim, and a reimbursement shortly thereafter!
Insurer: Pumpkin
By: Mary Beth
Warning to Costco Members: Figo Pet Insurance, A Complete Scam
Warning to Costco Members: Figo Pet Insurance, A Complete Scam I have trusted Costco and its partner services for over 25 years, but my experience with Figo Pet Insurance has been appalling. My cat passed away from cardiac arrest on July 5th. I submitted a claim and reported his passing through their "Pet Cloud" app on July 6th. What followed was constant delay and hassle: first, a query on July 7th over an initial vs. full name mismatch on the vet bill ("M." vs "Mr."), and then a request for medical records on July 9th. On July 28th, they finally ruled that the entire claim applied toward my deductible. To make matters worse, I discovered they charged my credit card on July 24th for a monthly premium—billing me for a deceased pet almost three weeks after I reported his passing. When I called to fix this, instead of retroactively refunding my premium from the date of his death (July 5th), they actually charged me for four additional days through July 28th! I only chose Figo because of Costco's endorsement. I truly hope Costco reviews these partner practices and takes immediate action.
Insurer: Figo
By: Akash Abraham