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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Infuriating process
Several claims take months to get processed, requiring multiple phone calls to reopen claims that were closed because my vet did not get them records they request in time (which was only a few days, totally unreasonable amounts of time). The customer service reps are kind on the phone, but ultimately have no actual knowledge of what is happening, and its impossible to get someone who actually deals with the claims on the phone. They regularly say they will follow up in 3 to 5 days, and never do, I always have to call again if there is still a problem after a week. My last claim was closed after my vet took 3 days to get them the med records they required (even though it took 3 weeks for Pets Best to start looking at the claim). Then once I got someone on the phone to reopen the claim, it sat with no activity for weeks. Then they claimed the invoice was unreadable, even though on the original claim it was itemized by them, so they read it without issue. Their website also would not let me re-upload documents. Sent the invoice again via email and never got any response that way. Had to call 3 more times to get them to look at the claim properly. In the meantime, they closed the claim AGAIN, which required a final call to get it reopened and looked at properly. I guess to give them some credit they did eventually pay the claim after 2 and 1/2 months and waiting for hours on hold, all total across 6 separate calls to them. I cancelled my policy and looked elsewhere after that.
Very long claim processing time and not responsive.
I made a first vet visit for my cat after purchasing embrace for several months. My cat was vomitting and much less active. It costed a few hurndreds. I made my first claim. Then received reply saying the 1st claim will take 30 BUSINESS days (i.e. ~40days) to process, and future process time is 10-15days. I am disappointed as reviews were saying they have quick processing time.
Insurer: Embrace
By: brian
I have been using Fetch since I adopted…
I have been using Fetch since I adopted my deaf puppy eight months ago, and they are simply wonderful so far has been smooth and submitting claims and very prompt in providing updates. This is a step up from what I’ve had in the past using other pet insurance companies.
Insurer: Fetch
By: Bonnie
Super easy to file my own claims
Super easy to file my own claims. It takes less then two mins. Always awesome help over the phone.
Insurer: MetLife
By: Heather C
Fixed mistake
They did not reimburse me the proper amount when I first filed a claim, but once I called customer service, they acknowledged the mistake right away and processed the claim again.
Insurer: MetLife
By: customer
Our dog has the best health insurance in the family
HealthyPaws Insurance is very straightforward and clear about what it covers. When claims are submitted they are dealt with and paid back incredibly quickly and easily. Our dog has better health insurance than his humans.
Insurer: Healthy Paws
By: A.D.N.
Decent coverage
I had a $3900 bill for an emergency visit at the vet. I had to hit my $250 deductible and Spot covered ~3,000 of the bill. Good enough.
Insurer: Spot
By: Raheej Choudhary
Embrace is a very good pet insurance
Embrace is a very good pet insurance. Claims are processed quickly and customer service has always been good. But like every insurance out there, after the first year, the premium increases considerably.
Insurer: Embrace
By: Virginia Garcia
Easy quick online claim process
Easy quick online claim process. Fast payment.
Insurer: Spot
By: Jeffrey Riner
Paid their share at the time of the Vetinary Service
I was delighted that Trupanion paid ½ the bill on the spot without and additional paperwork at the time of the service.
Insurer: Trupanion
By: Joyce