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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The processing time was fast and…
The processing time was fast and communication great
Insurer: Spot
By: Bruce Cox
Team is extremely helpful
Team is extremely helpful, and they actually cover what they say! Very satisfied
Insurer: Spot
By: Riley Everett
The sheer number of phone calls it took…
The sheer number of phone calls it took for me to get this minor claim paid was insane. I lost count. They requested documents and when submitted, I had to follow up mulitiple times to get the claim reopened 10/19 to 1/22 before I finally got an approval. I am an insurance agent, and as a matter of fact I SELL Pets Best. Maybe not anymore
Insurer: Pets Best
By: Amber Eghtesadi
Terrible service and deceptive practice
Terrible service and practice overall. I actually used to have another pet insurance provider who I will definitely go back to after my countless horrific experience with PetsBest. First, this company is borderline scam. They don't cover anything and the coverage vs cost is outrageous. Don't fall for it, because if you think you'll be covered for the most obvious things, you won't. And, it takes weeks for them to process it only to tell you it's not covered. I had a kitten who had digestive issues, starting with parasites in his stool. Since the kitten had diarrhea, I immediately took him to the vet who ran a bunch of tests to confirm that he had a parasite. Note that this was before the 14 day wait period was over, so I knew that this would not be covered by insurance. Post that parasite issue being resolved, the kitten still had periodic digestive issues, which were determine to be unrelated to the parasite. PetsBest basically flags every issue with digestive things for this cat to be "pre-existing" and will not cover a single dollar, even if the problem had nothing to do with the parasite. I recently purchased a second kitten and created a second coverage plan for him. Unfortunately, I failed to select the option to add the wellness plan, and so I tried calling to add that to the plan within 30 days of creating the plan. I was on hold for over 45 minutes one 3 different occasions before I was finally able to get a hold of someone. That rep told me that they would add the wellness plan and that the claim I had filed before this call would be fine, and that they would retroactively apply the wellness coverage to it. Weeks go by and they denied my claim, saying that I do not have the wellness plan. After calling and being on hold for 20 minutes, I finally get a different rep who tells me that "normally, we would allow for the wellness plan to be added if it's within 30 days of creating the plan. However, since you filed a claim, we can't do that and you need to wait until Dec 2026 (11 months from now) to add it." This was completely different from the previous rep who essentially lied to me or had no clue what they were saying. Not only that, no one ever told me that this was not added to my plan, and their app is so horrible that it's impossible to figure out. Needless to say, after spending thousand of dollars and getting absolutely nothing but frustration from this fraudulent service, I will be taking all four of my plans elsewhere. I hope I can influence others to not be a part of this scam service.
Insurer: Pets Best
By: A W
look elsewhere.
not much is actually covered. multiple requests for paperwork and long processing time. the website has errors when uploading. the chat function doesn't actually work because the help desk is understaffed which also means it takes forever to get through to someone when calling customer support. we're in the process of switching insurers.
Insurer: Pets Best
By: jina valentine
We truly love the coverage that we have…
We truly love the coverage that we have for our puppy, and we wouldn't ever consider switching to another company. The turn around for claims is quick, the app and claim submission is easy to navigate, and it is accepted by many providers. ASPCA is truly wonderful!
Insurer: ASPCA
By: TJ Brown
I was surprised how fast I received a…
I was surprised how fast I received a response after I submitted my first claims for my puppy's fractured femur. I only got the insurance because Danny's breeder gifted me the 30 day free coverage from Trupanion and when I heard about the coverage they offered I decided to have the insurance be continuous I purchased a policy. I had no idea I would need it so soon.
Insurer: Trupanion
By: Sheila
Embrace is the best!
I love having Embrace pet insurance for my cat Gracie. Every claim I've ever made was either paid the same day or the following day. I would recommend them to anyone that has a pet. It's one of the best decisions I've ever made. They are the best!
Insurer: Embrace
By: Cindy Rahal
claim was completed quickly
claim was completed quickly
Insurer: Pumpkin
By: Patty
Happy Pet Mom
I am happy that you were able to help me take care of my dog. He is my best friend and having this coverage took the burden off of me and made the decision easy to help my dog live his best life. Thanks for helping us live our best life together he is so special to me. Knowing he has coverage takes the stress out making sure he has what he needs.