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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Beware
Beware, misleading benefits! This company will apply deductible AFTER applying your percentage. This has a significant impact on expected payment especially on a accident policy. Case In point, $500 ded, 70/30 on a 800 dollar emergency. Instead of the expected 150-200 payment they paid Less than $2 dollars. This is not industry standard. Beware.! I will never deal with this company again.
Insurer: Pets Best
By: michelle
Claims Experience
I really loved how clear the coding was sent back to me of what you did cover and if I had met my max or not, as a 1st time pet insurance owner I have been super nervous about this and making sure my fur baby is cared for and I can afford everything he may need and just from this experience I feel like y’all have my back and I appreciate that!
Insurer: Adoro
By: Kathleen
Buddy’s Urgent Care Clsim
I’m very satisfied with how my pet’s claim was handled. The process was straightforward and easy, and my claim was resolved promptly. I appreciate the quick and efficient service.
Promise Made, Promise Kept
I only had coverage for 3 months when my 4 month old puppy accidentally fractured her leg. Pets Best provided coverage and reimbursement exactly as promised for her emergency room and surgery bills. Payment was deposited into my checking account in about 10 days. Thanks Pets Best!
Recommend PetsBest to EVERYONE
I started using PetsBest because my employer offered discounts on their plans. Best decision I have ever made. I hear horror stories about other insurance companies and I'm grateful to have never had issues with PetsBest. I was actually expecting a big bill recently to be denied or only received a small portion back. I had to spend over $1000 on behavioral services after my dog was attacked and struggling to get back to normal. I got almost everything back. My dog is now on an expensive prescription to help with the reactivity and PetsBest covers all but like $10. We would not be able to afford the medication and visits without this insurance and I couldn't be more grateful. All three of my pets have coverage and I tell everyone they need to use PetsBest. PetsBest is cheaper than a lot of the insurance companies that do far leas for their customers. Appreciate you all :)
Insurer: Pets Best
By: Kaitlyn
Claims Experience
Ease of submission. Extremely quick response. I filed a claim late on a Friday and had response in about 1 hour. Was totally expecting to wait until Monday
Insurer: Adoro
By: Jennifer
Claims Experience
Fast processing
Insurer: Adoro
By: Tyler
Over $2,000 in unpaid claims. I canceled all three policies; I’d give 0 stars if I could
Lemonade pet insurance was truly terrible to work with. I insured three pets with them, and they paid only one of the five claims I submitted. I was left with over $2,000 in unpaid claims, on top of everything I paid in premiums that year. They denied Snoopy’s claim because it was submitted more than 180 days after treatment. I asked for a one-time exception, and they refused. I have pets insured with Embrace, which gives me the policy term plus 60 days to file. Lemonade’s deadline was an expensive lesson to learn. What happened with Linus was worse. At an earlier visit, the veterinarian thought she might have seen a soft tissue injury and decided to wait and see. Linus never had an injury. Later, he needed his dewclaw removed because of an ingrown claw. Lemonade called it a pre-existing condition and denied the claim. I appealed and provided a letter directly from the veterinarian, but they denied it again. Having to fight this hard over my pets’ care, only to be denied again, was exhausting and infuriating. I canceled all three policies. Based on my experience, I would not trust Lemonade to be there when a pet actually needs care.
Highly Recommend
We were very pleased with the coverage and service provided by this insurance provider. We were able to do as much as we could for our very sick dog thanks to this company.