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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Doesn’t cover ANYTHING
My cat had emergency surgery. I submitted a claim and they said it was pre-existing. I went back to the vet and they gave their notes listing why the surgery was definitely not for a pre-existing condition. It was for a foreign body exploratory abdominal. MetLife denied the appeal! I was told my only other option was paying $85 PER HOUR for a third party review of the claim. This insurance is TERRIBLE!!! DO NOT GET THIS INSURANCE ! It is a scam, I got this insurance so I could be with a peace of mind and get my pet the surgical care he needed. I was told by the vet that night that he could die without this surgery. I have no idea what I’m paying for at this point if it doesn’t cover ANYTHING during times of emergency.
Insurer: MetLife
By: Olivia
I can't say enough great things about…
I can't say enough great things about Healthy Paws we have had and still to this day with claims exceeding over 220+ probably exceeds $80.000.00 and never had a dispute over a claim. Our girl has torn both ACLS gingivitis cancer,removal of a portion of her lung plus assortment of other issues and many prescription to treat numerous issues UTIs etc,Thank You Healthy Paws
Insurer: Healthy Paws
By: Larry Peltier
Excellent pet insurance
I love that I get to choose what I want my monthly payment to be and my deductible and my max per year. Spot has always paid for my pups medical bills and it has been a lifesaver.
Insurer: Spot
By: Jennifer
Enhance bait and switch tactics are bad business
Prior to taking out a 70% coverage policy on my dog a spoke to customer service to ask if my Labrador would be covered for a chipped molar. I was told that dental care is covered . I also inquired about annual booster vaccination coverage and told yes it’s covered. I started the plan in October 2025. In a follow up vet visit I scheduled a tooth extraction for 6 weeks later. I submitted the claim through the app and was told it would take about 30 days to process the claim . I now find out that even though I made embrace aware of this chipped tooth;they now say since it was a pre-condition it’s not covered. Just the exact opposite of what I was told to induce me into providing my credit card for the monthly payments . Now 4 months into the plan I find it’s not covered .
Insurer: Embrace
By: Phil Traficanti
It was straightforward and easy to…
It was straightforward and easy to upload my claim. the claim was processed quickly
Insurer: MetLife
By: Doug Fields
Would Not Recommend
I did not have a great experience with Pets Best. Trying to reach them by phone was awful. Every time I contacted them, I was placed on hold for at least 15 minutes before reaching a representative. It also took over a month to receive payment on my claim. Transferring ownership of the policy to my son was another unnecessary hassle, despite being told it would be an easy process. This insurance was supposed to provide peace of mind, but instead it caused nothing but frustration. I would not recommend them. I switched to another company, and they paid my claim within three days.
Insurer: Pets Best
By: M & M
Cooper
Submitted receipts in a timely manner. Reimbursement quick one week the money back into my account.
Insurer: Fetch
By: Elizabeth Cassinos
Site is easy to use to submit a claim
Site is easy to use to submit a claim. Claims are also processed quickly and received in a timely manner manner
Insurer: MetLife
By: Haley
Very easy to submit claim and quick…
Very easy to submit claim and quick reimbursement.
Insurer: Healthy Paws
By: robin
Healthy paws cares!!
We've been loyal and happy customers of healthy paws insurance for the past 10 years. They have never let us down so far! We've had emergencies, & we've had surgeries and they have paid every single time.
Insurer: Healthy Paws
By: Natalie Hogeboom