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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I recommend Pets Best
I have had Pets Best for my dog for about 6 years. As he gets older, the number of claims I have filed for him has gone up, but Pets Best has always been great. I compare pet insurance to human insurance and, honestly, I wish I could have pet insurance for myself. Claim filing is super easy, claims are processed relatively quickly (2-4 weeks typically, which is incredible for insurance). They have never rejected a claim either - if the condition/medication is covered, I get reimbursed. No fuss. The only thing I have ever been irritated by is the time for the reimbursed money to be deposited into my account - it has taken anywhere from 1-3 weeks. Not sure if that's Pets Best or my bank, but it could definitely be faster. Overall though, I really have no complaints. I will be sticking with Pets Best for future pets.
WSU Vet school small animal hospital, Yakima Valley Veterinary and having Pets Best Saved our dogs life.
We have Had pets our whole life. Never had pet insurance and never needed it. For some reason I felt led to buy it 3 yrs ago for our two always healthy Eskies When our 8 yr old Eskie lost half his body weight for unknown reason we took him to IMS specialist at WSU Vet Clinic for testing to learn he wasn't processing the protein he was eating, He spent 8 days in their emergency hospital clinic at $600 night just for his stay at the hospital. Because we had pet insurance we weren't forced to make an unwanted decision and were able to have the clinic provide any testing and care needed to help save our dogs life knowing 90% of our bill would be reimbursed to us, 4 months later with weekly B12 shots, a few other meds, limited ingredient novel protein diet and bi-weekly blood work to see if his abulmin level in his blood was increasing. Kodi is doing well. Pets Best has been such a blessing to us as they will continue to pay any bills related to his PLE problem for the remainder of his insurance year without any more deductibles..Their app is easy to submit a claim and a couple weeks later our reimbursement is deposited in our bank account. Their customer service agents are friendly, caring and knowledgable. I highly recommend them for your pet! My only small complaint is reimbursement can seem slow but is really only about 3+ weeks. Its comforting knowing we can provide our dogs with the care they need if any illness or accident occurs. Thank you Pets Best for saving our dogs life along with Dr. Kim our IMS specialist at WSU and our wonderful reg Vet Dr. Julie Young. Karen
Insurer: Pets Best
Veterinarian: Washington State University Veterinary Teaching Hospital - 24hr Emergency
By: Kodi
Wellness claim
Pets Best makes the claim process easy and fast. I've never had a problem submitting a claim or getting reimbursed quickly.
Great Service
I have used Pets Best for seven years and have always had great service, ease of claim and prompt payments. Highly recommend!
Insurer: Pets Best
By: Tara
Great pet insurance
Last year my cat, Joey, needed an ACL repair. Major surgery, rarely in cats! MetLife covered the surgery expenses at the best, most highly recommended surgeon in the area. They also covered all his recommended treatments, including laser and physical therapy, and follow-up. No questions asked, as long as the surgeon felt it was necessary. The customer service was excellent. Yes, it wasn’t the least expensive, but the coverage was excellent! Joey is fully recovered and back to playing!
Insurer: MetLife
By: Joanne
A life saver for my cat
My cat has many health issues that are complex and chronic.. I have to manage them with both medication and alternative medicine, like holistic methods, i.e. chinese herbs and acupuncture. MetLife has been covering it all, and it is not hard to submit to them either, like with other companies. Super simple, and it is covered. For my cat, who has had serious issues her entire adult life, it has been a life saver to have the insurance and to be able to use all modalities of veterinary medicine. She is now 14 years old and still going strong. I switched my other cats from Embrace to MetLife too because of the ease of submission. And it was slightly cheaper.
A Pet Parent's best friend
I have never felt compelled to write a review for a service until now. And it's insurance of all things. :) We have been customers of Healthy Paws for about 7 years and they have been absolutely critical keeping our boy Duke alive and happy. Duke has had a series of unpredictable but life-threatening systemic issues, some acute and some needing ongoing treatment/medication. I have been absolutely surprised and elated at how easy and fast I was able to submit claims and get reimbursed. It's also very hard to find pet insurance with no annual max, but thankfully I selected a policy with the right company. In 2024, Duke's medical bills are pretty close to $30,000. Our decisions in very emotional and tense moments have been focused 100% on what is best for him. I don't have to worry about paying for his care and I am confident in how much reimbursement we will get. Duke is the poster child for why pet insurance is an absolute must and I highly recommend Healthy Paws.
Pet's Best is an exceptional company which I recommend highly.
"I've had Pet's Best insurance since 2017. They are a stellar company. Last year my dog was diagnosed as diabetic, and earlier this year he lost his sight completely due to cataracts from the diabetes. Three weeks ago he had cataract surgery and he can now see again. Pet's Best has paid the claims promptly and completely, and thanks to them I was able to get the surgery my dog needed. I really can't recommend them highly enough. I have had surgeries for my dogs in the past and Pet's Best has always paid the claims promptly. Also, having free access to Whiskerdocs has proven to be invaluable. If it wasn't for them, I would not have known to take my dog to an Internal Medicine Specialist to regulate his diabetes - which the primary vet was unable to do. Whiskerdocs has been an excellent resource."
There for us in a time of need
I have never used pet insurance before, and when we adopted a purebred Sphynx, I thought it was in our best interest. I did my research and found Healthy Paws. The price was competitive, and the coverage I was quoted for felt sufficient. Fast forward to our cat's 1 year well visit, we were informed his cardio pet value was the highest they'd ever seen and referred us to a cardiologist. Sadly, our baby was diagnosed with juvenile heart disease, and we were given the news that he would be on lifelong medication and still have a short life. The news was devastating, and I was worried about how the insurance would treat us. They were amazing. The claims were easily submitted, and we were reimbursed within 2 days directly to our bank account. He recently went into heart failure after a routine procedure and was in the hospital. Healthy Pets covered all of his costs that were covered and even sent a check-in email to see how he was progressing. They make a bad situation feel safe and secure. Now I can focus on him and less about how I will afford to care for him. Highly recommend!