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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First time I sent in a claim and it was…
First time I sent in a claim and it was so easy and you responded, paid immediately! Thank you
Insurer: Spot
By: Donna Jett
prompt refund
Great customer services. Easy to file claim.
Insurer: Spot
By: Margaret Seufert
Accuracy....completion of claim in a…
Accuracy....completion of claim in a timely manner....ease of filing a claim
Insurer: Spot
By: Laura Bondurant
Great Service Just recommended SPOT to a person in…
Just recommended SPOT to a person in the pet store. Great, quick service and easy app to follow. Our refund was handled in a timely fashion.
Insurer: Spot
By: Marsha Rouse
When you need the insurance you’ve been paying for the most, Healthy Paws does this
I’ve had Healthy Paws insurance for my cat for 10-years, despite the premiums going up every single year. Last year’s increase was a full 20%. For years I’ve had a $500 deductible and 90% reimbursement rate. Last December, the month prior to renewal in January, the company unilaterally decreased the reimbursement rate to 70%. Their explanation for this was that “older pets sometimes needing more vet care”. Which is code for, “We’re increasing your premium by 20%, reducing your reimbursement rate, and you’re stuck with us because your pet has a pre-existing condition no other insurance will cover and we’ll just make sure we make more profit than we have to pay out”. It’s a disgusting and should be criminal act of profiteering. Fortunately for Healthy Paws, because I know all they care about is their profit margins, my cat has an aggressive form of cancer and pretty soon they won’t have to worry about reimbursing me for anymore vet care because she’ll be dead. At a time in her life when I’ll need to provide her with vet care in order to just be as comfortable as she can, I now have to factor in what I can and cannot afford for her care because her insurance company is more concerned about squeezing out every penny by refusing to reimburse me at the rate I contracted for and have been paying higher premiums for every year for a decade. It’s absolutely disgusting. Avoid this company at all cost.
Insurer: Healthy Paws
By: Diane Johnson
Way quicker process to receive…
Way quicker process to receive reimbursement than anticipated. Pleasantly surprised and much appreciated as I really need the money.
Insurer: Pumpkin
By: Caroline
I have been a member since 2022 and…
I have been a member since 2022 and have two dogs and lately I have had to call after EVERY claim for discrepancies or denials. Juneau has been getting allergy shot for two years, the last several months have either been denied or short paid and needed to be re-submitted, then paid. If I did not keep such good records, I would of been out of luck. I used to refer everyone (even your employees) to get Met Life Pet Insurance, not any more! Also getting extremely expensive, Juneau's policy went up 50%. I am now retired so getting harder to pay, both dogs are over $ 500 month.
Insurer: MetLife
By: Debbie / Gurnee, IL
Feeling confident with Prudent Pet Insurance
I spoke to Stephanie today to help me decide if Prudent Pet Insurance was the right choice. She answered questions about waiting periods,when the coverage begins,wellness coverage, dental cleanings, and how to get reimbursed. We covered quite a bit and I feel confident I made the right choice going with Prudent Pet Insurance.
Insurer: Prudent Pet
By: Renate Hutchinson
My dog was recently diagnosed with…
My dog was recently diagnosed with glaucoma at the early age of 4.5 years old. Spot has made it super easy to submit claims and get reimbursed!
Insurer: Spot
By: Hailey
So far
So far, this insurance company has been “spot on”. I was worried when they said they were changing providers, but I’m getting the same coverage for less now. I purchased emergency only, but added routine medical which I had forgotten about. I just went to investigate the change in ownership, and submitted my vaccination receipt, easily on the app, and received payment via direct deposit. Easy peasy….
Insurer: Spot
By: Jennifer Werfelmann