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 worst
I put in a claiim two months ago. I called four times still nothing. I wish i went with another company. Now im stuck. I keep getting promises it will be done.
Insurer: MetLife
By: Lisa
Thank You healthy Paws
Unfortunately my dog at a foreign object and needed major surgery. My wife and I were worried about the coverage and maybe getting push back from insurance company, But in a matter of a few days i got approval from them on the medical bills no question asked. It was great as we shifted our focus on our beautiful dog's recovery. Thank you Healthy Paws! Highly recommended!
One claim, premiums increased
We submitted one claim through healthy pet insurance earlier this year. Once the claim was resolved, which they did pay, they increased our rates by about 40%. Now, three months later I get our renewal with another substantial increase. From prior to the claim to now, the premium has almost doubled. I disputed this with customer service and was ghosted. There are lots of other better pet health insurance policies out there.
Insurer: Healthy Paws
By: Lisa
Latest 1 comments
Regarding the premium increase you mentioned our customer care team explained via emails that your pet was enrolled as a certain breed. Though we rely on the information provided by anyone enrolling a pet, we understand mistakes may be made. During a routine audit of your pet's medical records, a breed correction was made. To ensure accuracy and compliance with insurance regulations, we needed to update the premium. Charging premiums based on accurate pet details allows us to provide our features and benefits with no annual or lifetime caps. The second increase was an annual premium adjustment that takes place on your policy anniversary date. Your premiums are calculated on a state-by-state basis in accordance with filings that have been approved by state insurance regulators. In each state, premiums are affected by multiple factors including age, breed, sex, zip code, and the particular combination of reimbursement and deductible on a plan.
Excellent
We haven’t had any issues with coverage and the claim process is easy and quick.
Insurer: ASPCA
By: Damaris
It won't pay your claims!
I bought insurance from Fetch a few years ago. At the time my monthly premium was about $30. It was all good till my cat got sick and I submitted claims. They increased my premium to $58 per month for the same coverage. But this was just the beginning! At my renewal date, they doubled my deductible amount and reduced my reimbursement rate for 20%! When I called the customer service, they said that is the only option they can offer! And since my cat is now sick and other insurance companies don't accept him, I'm stuck with Fetch. It's a terrible feeling when your fur baby gets sick and you have to not only deal with the stress of that but also all of the sudden your insurance company (Fetch) refuses to actually pay what you registered for and paid the premium for it for years!
Insurer: Fetch
By: Lily
Healthy Paws Saved Bennet's Life
Our policy with Healthy Paws enabled us to provide a life saving surgery for our fur baby Bennet. Words can't express how grateful we are to Healthy Paws and their fantastic team for keeping him with us for many years to come! Claims are easy to file and paid quickly via direct deposit for covered illness and injury care including testing costs and medications. Bennet is our second covered fur baby to be covered by Healthy Paws and I recommend this to everyone I know who welcomes a pet into their home.
Insurer: Healthy Paws
By: Melissa
HAPPY DOG - HAPPY ME!
VERY SIMPLE CLAIMS PROCESS AND FAST PROCESSING.
Insurer: Pets Plus Us
By: ANNETTE
MetLife is the Best
MetLife has been an absolute life saver for us. I highly recommend them for your pet insurance needs. Customer service is awesome. Easy to submit claims and everything is thoroughly explained
Insurer: MetLife
By: Ursula
Latest 1 comments
We have had MetLife Pet Insurance for 1.5 years and they have NEVER let us down!!! Great Insurance!!!
Ripoff
I seen the ads all over GOOGLE for a pet insurance that paid up front. I would have never bought this insurance had I knew they were going to do this. My dog is old and I told them that and they charged me over $270.18 and never told me of a waiting period either. Said they would pay my vet directly. My vet was listed on their page and that made me do it. My dog had a bump on her chest and I took her to the vet. Costing me over $700 for the visit. I had to pay up front and submit the claim. I was a little upset. So I went back on line and called all the vets that Trupanion said they took their insurance. It was like ALL the other insurance companies except a lot more expensive but my dog deserved it. I called them and told them that. They said just submit the claim. Online they said that 70% of claims are paid within 24 hours. When 3 days past I started to get suspicious. I took my dog in for a followup and the bump imploded and had to have immediate surgery. That's another $450. Then today 2 days after her surgery Trupanion DENIED my claim. They lied and scammed my for the huge money and I could have went with several other companies, a lot cheaper who would have paid the claim after reimbursement. All their emails and all their ads were dishonest and I want my money back. All of it because of this. This company not only said it would work with me on my claim but denied it a second time even when my vet said it was not pre-existing so there's nothing Trupanion can say they are crooked. If you don't believe me, GOOGLE THEM and LOOK them up on BBB. Thousands of complaints with their pathetic sorry for the problem, but we are still keeping your money and you get nothing. NEVER USE THEM
Insurer: Trupanion
By: Frederick
Best Pet finds any reason to deny legitimate claims!
My Frenchie had nare surgery done due to poor breathing. They denied claim for “pre existing” because she was born that way. Of course she was!!! Same thing with hooded vulva surgery which was necessary due to repeated surgery. Because she was born that way it was considered pre existing!! I don’t even try to file claims anymore. I only keep the insurance in case she gets hurt. I Do Not recommend at all!
Insurer: Pets Best
By: Dawn