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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Insurer: Spot
By: David Boyd
Repeated Claim Issues/Appeals and Unclear Policy Communication
Our experience with Pets Best health insurance has been consistently disappointing. Each claim we have submitted has required an appeal due to what appeared to be inaccurate or inconsistent initial evaluations. This recurring issue has made the process unnecessarily time-consuming and frustrating. A major concern is the lack of consistency in claim assessments. Decisions seem to vary depending on the reviewer, leading to outcomes that feel subjective rather than based on clear, standardized criteria. In many cases, the initial denials have not appeared justified, requiring additional effort on our part to correct them. Additionally, the overall lack of transparency has been challenging. Certain policy limitations and exclusions were not clearly communicated upfront, which has made it difficult to understand coverage and anticipate claim outcomes. This has created the impression of “hidden” policies that only become apparent after a claim is denied. Due to these ongoing issues—specifically the cumbersome claims process, inconsistent evaluations, and lack of clarity around coverage—I would not choose Pets Best again and cannot recommend their services.
Insurer: Pets Best
By: Jennifer
Lifelong Customers
We’ve used them for years for our two dogs. It’s been pricey, but worthwhile for us. We’ve used it for numerous ER visits and surgeries with quick turnaround times.
Insurer: Pets Best
By: Miller
Ridiculous
I submitted my claim for a medication and it came back denied and stated not on their list. They had reimbursed for this liver medication before and it is on their list. I called and it took me 40 minutes to get a human on the telephone that said it had been denied in error and she would resubmit for a HUMAN to reevaluate. I submitted the claim on March 1,2026 and just got email stating I was being reimbursed on April 14,2026. The amount of time you are on hold for a human to answer in customer service is HORRIBLE. A month and half for a claim is even worse. I loved Pets Best when I first got it 8 years ago but now if not for the pre existing to switch I would definitely switch companies.
Insurer: Pets Best
By: Lee Ann Mathis
Been with Embrace a few years and it’s…
Been with Embrace a few years and it’s the the 1st claim all went smoothly.payments on time .sign up for straight into your account cheque takes a lot longer.
Insurer: Embrace
By: Mr s asprey
Rotten customer servie
I have 3 dogs and have been with Figo via Costco for over a year. In order to register a pet, you must send in the last vet visit note including physical exam before they approve the pet insurance. I filed a claim last week and they put the claim on hold asking for the initial vet visit for this dog-WHICH THEY ALREADY HAVE! I had to call the vet and waste their time and also mine. Do NOT use this insurance. Try Lemonade instead as my family members use them and NEVER get hassled like this.
Insurer: Figo
By: barbara dupaul
Claim denied
Horrible insurance! Signed up for insurance with Pets Best on 3/3. Brought our puppy home on 3/7. On 3/14 our puppy was having loose stools. We took her to vet trying to help our puppy and her new life with us. It was determined she was gassy. Fast forward to 3/18 when our new addition to the family started throwing up, lethargic, and was severely dehydrated. We rushed her to Blue Pearl Pet ER where she received care. I tried not to worry about the bill because I knew we had insurance on her. Our main focus was getting our puppy back to herself. I submit the claim to Pets Best Insurance where I was told that the claim was denied because it was pre existing illness and that the first claim was short of the 14 day window which in return denied our ER visit
Great Experience!
This was my first claim that I have submitted and was so impressed with how smoothly it was handled. It gave me some confidence that the next time will run just as well!
Insurer: MetLife
By: Angie
I’ve used Trupanion for years
I’ve used Trupanion for years. I’m satisfied, but the policy of deducting for each visit with similar symptoms is troubling. My sweet dog had been seen by multiple vets and generally treated with the same modality. I’m appealing this issue. My fault I didn’t know Trupanion partnered with Blue Pearl. They ran tests and I received a diagnosis, unfortunately not one I was ready for. Read your policy well. You may have benefits you weren’t aware of. My regret.
Insurer: Trupanion
By: Kathleen