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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Dog in car accident and great Insurance so far
So far after our amazing dog, had a car accident the Healthy Paws insurance app and process has been very straightforward. Easy to use efficient and well done. We still have more veterinary care associated with this claim coming up so I’m hopeful they will be as helpful with the future part of this claim but so far they’ve been great.
Insurer: Healthy Paws
By: anonymous
Beware if you have a larger than normal claim
I've been with Healthy Paws for 11+ years. For the majority of the time, the rates were fair and just. Overtime (not unexpected) my rates increased year after year. Again, not unexpected as my dog got older and inflation rises. However, not long ago they changed my policy from the original $200 deductible and 90% reimbursement to a $500 deductible and a 70% reimbursement. So basically charging me even more in addition to the yearly rate increases. They did this without notification, although I guess that wouldn't have made a difference. Over the years, they were quick to review my claim and send a direct deposit based on my invoices. All of those claims were for small amounts, the vast majority under $500. This year my dog had major surgery that cost in excess of $15,000. I submitted that claim and after a few days I was told that there was an "error" in the invoice. So, I contacted the animal hospital and had them send a new invoice. I submitted that invoice and was again told there was an "error". So, I called customer service to discuss the issue. I was on hold for at least an hour trying to get through to determine what exactly the issue was. The worst part of all of this is during the period where my dog had a rough recovery from the surgery. My guess is that if a claim reaches a certain dollar figure they give you the run around in hopes that you'll get frustrated and/or drag your feet so the claim doesn't get paid out. Very frustrating dealing with the customer service agents who were fairly clueless. Needless to say I'm very disappointed in this most recent transaction.
Insurer: Healthy Paws
By: John Wardell
They decided my dog retroactively had a…
They decided my dog retroactively had a pre-existing condition before he was diagnosed with it
Insurer: Nationwide
By: Hat McCullough
Coverage Problems
I purchased Fetch Pet Insurance in April to protect my dog in case of an unexpected medical emergency. Before enrolling, my dog had no symptoms or diagnosis of any spinal or neurological condition. When she suddenly developed neurological symptoms, an MRI confirmed a spinal cord compression caused by an intervertebral disc herniation. A board-certified veterinary neurologist submitted a detailed letter explaining that this is a primary neurological disease, not an orthopedic condition, and requested that Fetch reconsider the claim. Despite the specialist’s medical opinion, Fetch denied coverage by classifying the condition as orthopedic under the waiting period. It is incredibly frustrating to pay for insurance, do everything responsibly, obtain a specialist’s opinion, and still be denied when your pet needs life-changing surgery. Pet insurance is supposed to provide peace of mind during emergencies. Instead, we were left facing thousands of dollars in unexpected veterinary costs while our dog needed urgent treatment. I strongly encourage anyone considering Fetch to carefully read the policy and ask very specific questions about how they classify IVDD, disc herniations, and neurological conditions before purchasing coverage. This has been an extremely disappointing experience, and I cannot recommend this company based on how our claim was handled.
Insurer: Fetch Canada
By: Melanie Robinson
Filing claims has been super easy
Filing claims has been super easy. We appreciated knowing that our little dog had excellent coverage.
Insurer: MetLife
By: Emma
I have heard many horror stories of…
I have heard many horror stories of having to fight with pet insurance companies to get reimbursements. I can honestly say, I don't relate.
Insurer: MetLife
By: Frances Puerner
had to really review the coverage…
had to really review the coverage details to understand the amounts
Insurer: MetLife
By: Evonne Gonzales
I've been in the vet world for over 25…
I've been in the vet world for over 25 years and then the Animal related business as adog trainer for the last 23 years. I have Trupanion on one dog because My Dog has a pre-existing condition. I have the rest of my animals with Fetch. TodayI called to add another kitten and spoke to Aileen and she was so incredibly nice. This insurance is pretty amazing. They pay well. Their customer service is superior. I highly recommend this insurance company.
Insurer: Fetch
By: vicky rusconi
Multiple good experiences ....
Once you understand the process and the documents required, the process is very fast and effective. Their AI agents are well trained and the solicitations and condolences are appreciated. We started out with 4 pets (2dogs/2cats). Since that time, one cat passed and we've had some expensive issues with the dogs. MetLife was there for each of these occasions, providing the financial support needed so we could focus on the beasties.
Insurer: MetLife
By: Jeffrey
You took care of my claim quickly
You took care of my claim quickly and kept me informed about everything.
Insurer: Fetch
By: Esperanza