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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Don’t bother with MetLife pet insurance
I submitted a claim 3 weeks ago and they finally just got back to me today and denied my claim. My dog got started on a medication while on the insurance for joint pain. I tried to submit it to get some money back as it is an expensive medication. They denied it because the pet had to of had pain prior to that visit. Anything prior to that visit wasn’t covered under my insurance then it had to be a pre existing condition. So they won’t pay for the pills because they are just assuming she was in pain prior to that visit. Pretty shady if you ask me. Because I just started noticing that day she was walking weird. But I guess they can assume anything to get out of paying of course. Oh if you want to submit an appeal to get the claim reprocessed again, you have to have your vet fill out the form and send it back to the insurance company. Idk about you but I live in a very rural location and my vet covers 3 different small towns. So for him to take time out of his day to just fill out a form that will probably get denied again is a waist of his time and mine. Also got told on the phone by customer service claims (as an example) - explained that a ACL tear also can be counted as a chronic pre existing condition because the muscle can break down over time. There for that would have started before insurance. So they are really weaseling through the fine print. Sad to say health insurance insurance is better than this and that ain’t saying much.
Insurer: MetLife
By: Sue
Healthy Paws is Amazing!!
I cannot say enough good things about Healthy Paws. They have been awesome, and I have to commend this company and all of its' team members for their caring, compassion and processing of claims in such an expeditious manner. One of the reasons I chose this company is because they have no maximum limits on any single condition, reimburse you based on your actual veterinary bill and cover congenital and hereditary conditions as long as they were not pre-existing prior to coverage. My Frenchie recently had eye surgery and having the insurance made it so much easier to have one less worry and allow me to focus on her and her recovery without worrying about the cost. They processed the claim within two days which is incredible, and the funds were in my account in no time. In addition, they reached out to see how she was progressing after her surgery. I am truly beyond impressed and would never ever consider another insurance company for my fur babies. Thank you, Healthy Paws!!
Insurer: Healthy Paws
By: Linda
Christina @ Lemonade Claims Rep
We had to take our fur baby Lucy to the emergency vet for a puncture on her left paw. Luckily she's doing well and no long term issues just lot's of stitches. Christina @ Lemonade assisted with the claim we submitted and she was very efficient, friendly and quickly processed the claim
Insurer: Lemonade
By: Denise
Pet Life Saver
We have had some close calls with our 2 cats ! It has costs a fortune to keep them alive. My husband had other pet insurance, which covered nothing at a very high price. We heard about Met Pet Ins. took a chance, and it was the best ever move!!! MET PET PAYS IT ALL!!!! So thankful for it. If anyone cares about their pet ,GET MET PET INSURANCE !!!!
Insurer: MetLife
By: Linda
Pets Best cares more about its bottom line than our animals
We only adopt rescues. And although we humans got rid of pre-existing conditions in our healthcare, they still plague pet healthcare. When we got Minerva, we had to bring her to the vet during the 14-day waiting period because she had immanent medical issues. What do these insurers expect us to do, not give them life-saving care? At the time I expected Pets Best to not pay for that visit, since it was in the waiting period. What I did not anticipate is that they would nearly every claim we made after the 14-day waiting period by trying to find even the most specious connections back to that initial visit. Surgeries, medications, office visits, we've ended up with thousands of dollars of medical bills for procedures that we understood to be totally unrelated but that became "pre-existing conditions" as a result of that first visit. Here's an example of Pets Best malicious abuse of this policy: We had Minerva checked for a UTI because she wasn't always peeing in the litter box. The UTI came back clear, so we tried placing a litter box in the area she was peeing. Turned out that cleared the issue - she just had specific places in her new house she wanted to pee. Pets Best didn't pay for the UTI because it was during the waiting period. Fine. But then, four months later, we brought her in for a newly developed anxiety issue. We had gotten a third cat, and Minerva developed a significant anxiety disorder in response. Our vet put her on Prozac. And when we filed the claim with Pets Best, they denied it. Why? Because it was treating a "behavioral condition," and Minerva has a pre-existing history of "behavioral conditions" because she at one time peed outside of the litter box. No relation whatsoever to the events, no shared symptoms, and no common treatment pattern. When I spoke to a Pets Best representative, they said they are entitled to deny ALL behavioral treatments going forward because we brought her in for that UTI test and it WASN'T a UTI. For the record, we've been with Pets Best since 2015. Used to have nothing but high regard for them. But after 9 years, it's clear that they no longer care about us as customers or the welfare of animals, only manipulating their "pre-existing condition" policy to protect their bottom line. I strongly recommend everyone to avoid using this insurer. Find someone else.
Insurer: Pets Best
By: Michael
Good product
Lemonade is easy to use, quick to respond, and reimburses covered services promptly. We're glad we insured Maisy with Lemonade!
Insurer: Lemonade
By: Steve
Great help
Fast easy to process claims and they care. That is what makes Petplusus excellent
Insurer: Pets Plus Us
By: Peter
Best Pet Insurance
Best service ever. It took me some time to do the claims the right way but after that it was very easy and their customer service is good too. I definitely recommend it to other pet parents.
Insurer: Pets Plus Us
By: roula
Performance Dog Agility Injury
Coming from another insurance company, the claim process is as easy however I found I was not able to leave any explanation or comment. Also, there were no instructions for how to receive payment. On my previous company's claim site, everything was right there from the beginning. By not having a place for explanation/comment, I feel I will have to guide my veterinarian on how to comment as the practice is extremely busy and sometimes the vet notes are not as descriptive as necessary.
Insurer: MetLife
By: Carol
Excellent Insurance for a Medically Complex Pup
We signed our Goldendoodle, Emerson, up for Healthy Paws Insurance when we brought him home as a puppy four years ago, and we are beyond happy that we did. When he was about 2.5 years old, Emerson suffered severe acute gastrointestinal distress and was subsequently diagnosed with irritable bowel disease (IBD). This has resulted in multiple hospitalizations as well as expensive diagnostic procedures, which have collectively cost in excess of $20K. The Healthy Paws team has stood by Emerson the entire time, covering virtually all expenses (aside from our deductible). This has allowed us to give our boy the care and love he needs without any worry about the financial consequences of his illness. Moreover, all claims (including very large ones) have been processed in a matter of days. We're very grateful for the team at Healthy Paws and cannot recommend them enough!
Insurer: Healthy Paws
By: Brian