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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MetLife Pet is great
MetLife Pet is great. They care about my two dogs and its so easy to submit a claim. They are so helpful and always there to help.
Insurer: MetLife
By: Lisa and Ken Finger
WORST EVER
Absolutely abysmal - a total scam. (Just read the zillion awful reviews on the BBB pages) Had accident coverage for my cat who threw up blood one day. Vet did bloodwork and examined him and determined he’d eaten something weird and was fine (which he was, thankfully). Spot denied my claim (over $600) repeatedly saying he was ill. He’s never been ill a day in his life - which my vet tried repeatedly to dispute (as did I). The bloodwork was clear and there was literally nothing that would lead to that false conclusion. Did they care? Nope. BOTTOM OF THE BARREL
Insurer: Spot
By: Kristen
Easy claim
"My pet had an emergency. I took a photo of the receipt went on the pets best app, followed the easy instructions on how to submit a claim and was done in a few mins. I was notified that it was received, notified about a delay than within 2 weeks received payment in the amount I expected and a written invoice which explained the details about the payment. This was a very pleasant first time experience.
Exceptional service since day 1!
Exceptional service since day 1! The claim process has been intuitive and filing has only taken minutes to do. My claims have been processed on average within 5 days. When I have had to make contact with Spot, the reps are pleasant and very knowledgeable. Overall, a great experience all around!
Insurer: Spot
By: Erin Premo
I have held a nationwide pet insurance…
I have held a nationwide pet insurance policy since 2019, all was great until a couple weeks ago. When I had an emergency with my Labrador that unfortunately ended in goodbyes. I had discovered that the policy was canceled due to an expired debit card. I never once received any notification from their billing department via mail, phone or email. We are now stuck paying an insane amount out of pocket. In an attempt to reinsure my remaining pet, I rushed to reapply. To my surprise, Im receiving email and letter notifications with these time sensitive requests. Clearly something has changed on their end. The lack of communication almost seems intentional. If youre thinking about utilizing Nationwide for anything, DONT. I will not trust them with our business, our policies or out pets ever again.
Insurer: Nationwide
By: Ryan Costello
I wish I could give zero stars
I wish I could give zero stars. I have 3 pets and now have all of them with Lemonade. Fetch has been the worst pet insurance company I have ever dealt with. The are expensive and the reimbursement is terrible. It is like have a bad car warranty that doesn't cover anything. The customer service at Fetch is absolutely worthless. If you are looking for a wonderful pet insurance, consider Lemonade Pet Insurance. Lemonade is fantastic.
Insurer: Fetch
By: Amy Molley
Decade of Being a Highly Satisfied Embrace Customer
Our two Australian Shepherd have been Embraced for the past 10 years and the coverage has more than paid for itself several times over! Aussies are active, athletic and oftentimes acrobatic dogs, and they have had multiple illnesses and injuries fully covered. Now that they are older, we are treating one of them for osteoarthritis and the other for intervertebral disc disease (IVDD) with injections and medications as needed for pain management. We added a Labrador puppy to our family and it was never a question she would be covered by Embrace from the day she came home. Our pets' policies are clear and easy to understand, the website and app are super easy to navigate and our claims have always been paid fairly and promptly! We will continue being an Embrace family for the peace of mind knowing our coverage provides our pets with the the best care possible.
Insurer: Embrace
By: Terri Helus
It was very simple and easy
It was very simple and easy. We unfortunately have had to do a handful of claims and everytime the process has been very easy and fast! Very worth getting it!
Insurer: Prudent Pet
By: Ramona’s mom
Unsatisfied Service I keep sending all required medical…
I keep sending all required medical records for Sabrina. However, I continually get emails that you haven’t received them and eventually have my claim denied!
Insurer: ASPCA
By: JOHN