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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Frustrating, Complicated, and Contradictory Claims Process
We carefully chose this insurance for our puppy after doing a lot of research, especially to make sure his neutering medications would be covered. Unfortunately, the claims process has been one of the most frustrating and complicated I’ve ever dealt with. I filed a claim, and it took over a month before I saw in the app that it was denied because the vet records “weren’t received.” I never received any notice that the records were missing, and I would have sent them myself if I had. When I reopened the claim, I submitted the vet records personally and even received confirmation that they were received. Yet a week later, I was told the claim couldn’t be processed until the vet records were received even though receipt of them had been confirmed. Reopening the claim took several more months, and medications related to his neutering were denied as “routine care” despite being shown on the list of medications my policy covered. Responses to emails were often vague and took a week to receive. Because of these issues, we’ve since canceled our policy and switched to a different provider. I would not recommend this insurance.
Insurer: Pets Best
By: Brenna
This was so easy
Easy to use better coverage than other insurance companies.
Insurer: MetLife
By: Briele Stewart
MET LIFE PET INSURANCE IS A SCAM!!!
I would not recommend MetLife Pet Insurance to anyone. I have a 10-month-old cat who has been to the vet a handful of times and has never been diagnosed with any conditions. I recently started a new job and enrolled in MetLife’s pet insurance. I submitted a claim for a routine appointment, expecting it to go toward my deductible, but it was denied due to a “pre-existing condition.” What’s even more frustrating is that the insurance company essentially assigned my cat a diagnosis that no vet has ever given him—which is ridiculous. I reached out a week ago asking for an explanation and a reevaluation, and I still haven’t heard anything back. To make matters worse, I paid for the entire year upfront, so now I feel like I’ve completely wasted that money instead of putting it toward coverage that actually supports my cat’s health. Overall, this has been a very disappointing experience, and I would strongly caution others before choosing MetLife Pet Insurance. Met life- I would love a response from you guys!
Insurer: MetLife
By: Callie Hendry
Disappointing
I remembered why I left them before. Terrible processing claim time and lack of explanation on why the claim was denied. It was complete BS and I just don't have the energy to dispute it and wait another 4-6 weeks to hear back. You spend all this money monthly just to not even get to use the service provided. Pathetic to be honest.
Way too difficult to do claims
Way too difficult to do claims. Denials for no soap notes when standard office visits and vaccines don’t have soap notes. You’ve made it so annoying to communicate clearly that it’s not worth it. I plan to cancel all 7 pets I have on the insurance because it’s not helping at all.
Insurer: MetLife
By: Brian Schucker
Multi pet insured
Greatful for multi pet discount and coverage options. Spot customer service receives a 5-star for friendly, knowledgeable service and relatively quick reimbursement for claims submitted due to recent visit to pet emergency, followed by a referral to animal eye clinic for diagnosis/treatment and follow-up checkup.
Insurer: Spot
By: Ann
Peace of Mind
With or without insurance we would take our dog in when needed. However, with insurance we have peace of mind knowing we will get some money back. The claim process is so easy and the refund quick! Thank you for making it so simple so we can get back to having fun sooner!
Insurer: MetLife
By: Lauren Shoemaker
Prompt preapproval and payment
Prompt preapproval and payment. Thank you for taking care of us!
Insurer: Trupanion
By: Kelsie
Smooth sailing
Smooth sailing! No questions asked. You just processed the claim and sent me a check.
Insurer: Trupanion
By: Laura
So thankful!
Whenever I hear someone is getting a new puppy I always recommend Trupanion. We have been so happy to have Trupanion on our dog’s side, and the peace of mind knowing that we can choose whatever course of action our dog needs makes it well worth it. The last time we needed to submit a claim, we received payment within a day and a half, and it was deposited directly to my account. The process is so quick and simple. We are so thankful, and Rey is too!
Insurer: Trupanion
By: Stacey