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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Miracle Pup
Our sweet Catahoula leopard dog, Odin, was diagnosed with hemangiosarcoma this past June. My husband and I were devastated with the prognosis we got. He's my soul dog and I knew I needed to do anything and everything I could to help him, and because we had Pets Best, we were able to take on the challenge of fighting this aggressive cancer. We have been able to work with a surgeon in the Lehigh Valley Region of Pennsylvania, an Oncologist near Philly, and of course our primary vet in the Poconos, to get him as much help as possible. In June, we were given 1-3 months with our boy. I am so grateful to say that he is doing so well 6 months later and beating all the odds! If it wasn't for Pets Best, we would not have been able to do all that we have for him. I don't like to think about the decision we would have had to make without knowing that Pets Best had our back throughout this process. Because of this, I will never not have my pups on their insurance plans 🤍 thank you endlessly for helping up through one of the hardest times of our life. Odin sends so many face licks and tail wags 🐾
Insurer: Pets Best
By: Karli
Not your typical deductible
This company skirts over the fact that your deductible is used in an untypical fashion. For a $1300 bill, they only covered $49. My deductible is $1000 and I pay 20% of the bill that’s covered. The issue is that they calculate the 80% they pay first, put your deductible towards that, and then reimburse so it’s a much smaller reimbursement than typical insurance would do. I’ll be switching back to Embrace even though my premium will be a little higher.
Insurer: Pets Best
By: Margaret
Healthy Paws - Claim Reimbursement
I have had Healthy Paws insurance for 6 years and had never filed a claim. Recently my labradoodle had a GI infection that required a few visits to the vet hospital. After the visit I logged into the Healthy Paws site to file a claim and was very surprised to learn how easy it was to submit a claim. I believe I received a message that my claim was approved within a week and a week later had a check for the amount. I highly recommend Healthy Paws for your pet. If something significant should happen to your pet it is nice to have the piece of mind that there is some coverage and financial reimbursement for the visits.
Insurer: Healthy Paws
By: Hal
Read the fine print
They sure don't tell you they're going to keep all of your money for the deductible. There really is no reimbursement it's a crock.
Insurer: Pets Best
By: Erin
very broad pre-existing condition
As a former Petsbest customer, I strongly advise other pet owners to steer clear of this insurance provider. My two-year experience with them was nothing short of frustrating and disappointing. Their definition of "pre-existing" condition is so broad that it will be very difficult for you to get reimbursement. The diarrhea-related claim I submitted took 5 months to process, and at the end I got an email saying my claim was rejected because they did not receive necessary medical information from my vet, while I feel they could at least inform me about this so I could contact my vet for the needed info. I then called to cancel the policy, but the representative of course tried to keep me on the policy and said they could re-open the claim for me. This time after two additional months, my claim was denied again, because it was a "pre-existing" condition as it had happened once before, when my puppy was 2 months old. As such, I was told all future GI-related issues will be considered preexisting condition and will not qualify for coverage. I feel that is very unreasonable, because a two-months old puppy just transitioned out of the breeder's home to me, the diarrhea could be caused by entirely different reasons, such as changing kibbles, environment. And the medical record supported this because my doctor didn't find anything wrong at the time, no parasite or virus after a panel check. The representative I spoke to on the phone, Richard, was also very rude and impatient when explaining the outcome to me. After faithfully paying premiums for two years, I have nothing to show for it. Petsbest's lengthy claim processing times, questionable denial practices, and subpar customer service make them an unreliable choice for protecting your beloved pets. Save yourself the headache and look elsewhere for pet insurance.
Insurer: Pets Best
By: Levy
Healthy Paws helps me feel supported
I have been very happy to have pet insurance for the entire 6 years of my dog's life! She's an active dog who spends a lot of time outside and the worry about an injury is always in the back of my mind. I have peace knowing that if something big comes up, financially I am covered. I have submitted many claims and the process is easy and fast! I will have it for all my future dogs.
Insurer: Healthy Paws
By: Chelsea
Awful Insurance
I have a healthy puppy. I have purchased the top tier insurance with pets best. It is AWFUL!! Everything is denied and if it's not denied, it's covered very minimally. I pay a lot monthly to have next to nothing covered. Being a puppy, he has eaten a few things that have given him parasites at different times in the last 18 months. Each incident has been completely unrelated to the last yet I am denied every time and told it is because he already had parasites when I adopted him so it's now considered an existing condition. What!? It is not the same infection. Good grief! I will be canceling my pets best insurance!
PetsBest is Best
Could not have had an easier experience working with PetsBest for my Husky. We needed two TPLO surgeries and a lot of medication. PetsBest made it simple to file a claim and cover their end based on my plan. I was given horror stories from friends about dealing with pet insurance companies but my experience with PetsBest could not have been better. Thank you PetsBest!!!
Insurer: Pets Best
By: David
Very helpful customer service
I switched my two dogs to MetLife in June 2024 after receiving notice that Nationwisde would not be renewing their policies. Sign-up over the phone was simple and the plan was almost the same as what I had, and cost less. I made my first illness claim in September and it was approved in about three weeks. I submitted an illness claim for my second dog in December and there were a few glitches (claim put on hold twice for missing documents which I actiually did submit). Both times I called Customer Service they quickly verified that I had indeed submitted the documents and had the claim removed from "on hold". Approval and payment came two days after my second phone call. I understand MetLife has seen a huge influx of customers from Nationwide and had to hire more staff to process claims. I am hopeful processing will go more smoothly once all the new staff are fully trained. Overall, I am very happy with MetLife.
Great Pet Insurance!!
I compared Pets Best with the monthly costs of other insurances. This is by far the most affordable! I had four claims last year, and all were done quickly and as I understood the reimbursement and coverage. Extremely easy to file claims. Highly recommended!
Insurer: Pets Best
By: Lora