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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Peace of Mind
I’ve used Pets Best for 5 years on all my dogs. It’s affordable, easy to understand the policies and they are always quick to respond regarding my claims. When my dog had to have emergency surgery, I was so relieved I had insurance! It was one less thing for me to worry about during a stressful situation.
Insurer: Pets Best
By: Jenna
Easy-peasy
It was easy to file my claim. The most difficult part is remembering to file my claim. Pets Best processes claims quickly and efficiently
Insurer: Pets Best
By: Ruth
First Time Pet Insurance User
My one-year-old cat, Mozzie, was unfortunately diagnosed with FLUTD after experiencing sudden and unexpected symptoms that required an immediate trip to the emergency vet. During his visit, several tests and procedures were necessary to properly diagnose and treat him, and as many pet owners know, emergency veterinary expenses can add up very quickly. Thankfully, Pets Best made an incredibly stressful situation much easier to navigate. After I paid for Mozzie’s ER visit, they provided prompt assistance with my claim and processed everything with an impressively quick turnaround time. I also greatly appreciated the clear and detailed breakdown of the covered expenses, which made the entire process easy to understand. Having reliable pet insurance during an unexpected emergency gave me significant peace of mind. I’m very grateful for the support and service I received from Pets Best and would confidently choose them again.
Appreciate the Support!
"The Pets Best app makes submitting claims quick and easy. Responses are typically received in a timely fashion with decisions explained. I appreciate that the support of having pet insurance allows us to make decisions based on what is best for our girls. "
Exceptional coverage and customer service
Our 6-month-old puppy became seriously ill and had to be hospitalized with many tests and ultrasounds and spent 4 days in the hospital. PHI Direct customer service showed compassion and reassurance, and they lived up to their word, covering 80% of all costs minus deductible. Then a couple months later our puppy was still showing signs of illness and had to go to see an internal medicine vet for food intolerances, again 80% of the costs were covered and the online claims process was fast and so was the reimbursement. Exceptional insurance coverage and helpfulness.
Insurer: PHI Direct
By: Colleen
Poor Minnie
"My sweet dog Minnie (havanese) started with Pet's Best AFTER she was diagnosed with allergies. We knew that the pre-existing condition would not be covered, but we decided we could not afford to pay more huge bills if she was ever sick or injured. Well, three years with no claims was fine, but we questioned if it was worth it. Fast forward to 8/2025… she developed a heart murmur, congestive heart failure, and now her kidneys are struggling due to all of the medicine. Thank God we kept the insurance! One cardiologist visit was $1400, so we met the deductible. Since then, I submit her vet visits, meds, and one ER visit and it has all been covered. It has been a real help. Her heart medicines are very expensive. I submit everything one by one. It takes me a little while, but they send direct deposit reimbursements and I am so grateful. I recommend Pets Best to friends and family all the time. I have it for my 3 yo Italian Greyhound too. I hope he never gets sick or injured, but I am glad to pay for Pets Best, just in case! "
Excellent Service
Service is excellent. Easy to file the claims and the company is very responsive!
Feels like a scam
Worst pet insurance company to ever use. Feels like a scam. Website portal never worked for me from time of sign up to date. Cannot wait to cancel once open. Claims processing is a joke. Never reached out, never spoke to my vet or myself. Denied even though coverage claims it covers accidents, it was denied. Awful. Feels like a scam company. Do not recommend
Insurer: Pets Best
By: Emily
Pets Best is BEST
Pets Best insurance makes it easy to file a claim. They process the claim quickly and reimburse you quickly. The only drawback I have is the amount of reimbursement. I think it should be a little better. I have compared other insurance companies though and Pets Best seems to be the best. I have two dogs and showed through Pets Best and I have referred my friends and family to Pets Best and they now have policies with Pets Best.
Cancer in young dog
So thankful to have Pets best insurance. I've never imagined my German Shepherd dog. just a little over 2 years old being diagnosed with lymphoma, cancer. The filing is so easy and the reimbursement comes fast. Thank you so much. 🙏