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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High Fees, Slow Processing, and Little in Return
It costs a small fortune per month. I was paying $32 a month and then it just bumped up to $42 for the same coverage. Processing time takes *weeks* and in the three years that I have had them, I've received a whopping $5 back. They always seem to have a reason as to why I am not reaching my $250 deductible and so I end up shelling out not only hundreds of dollars to the insurance place, but also to the vets for illnesses, meds, etc. With these kinds of prices, it should be covered and yet somehow, nothing ever really is. The price hike was the last straw. I found better coverage from a better rated company with an average of 48 hours (according to Google), for about half the price.
Metlife is the Worst!!!
As a new customer with three dogs, I was hopeful that MetLife Pet Insurance would provide the peace of mind I was looking for, but it has proven to be a frustrating and disappointing experience. The claims process is incredibly slow, far from the efficient timeline they advertise. What they classify as an accident they claim was a Sickness for a freak accudent one of our dogs suffered. It's a significant financial strain to wait so long for money you've already spent, especially with multiple pets and the associated high vet bills. What's even more frustrating than the long wait times is the customer service. Each time I've called to check on a claim's status, I've been met with unhelpful information. There's no sense of genuine desire to help resolve the issue. Given the slow processing and lack of support, it's clear this company is not equipped to handle the needs of a multi-pet household. I'm actively looking for a new provider that can offer the reliable service and support that MetLife promised but failed to deliver. I highly HIGHLY recommend you look elsewhere when looking for pet insurance and don't believe some of the positive reviews about this company. Speaking honestly, we've had a negative experience with MetLife.
Insurer: MetLife
By: Patrick
Thanks Pets Best!
When we noticed random bruising on our 3yo Pomeranians belly, we took her to the emergency room and she had to stay in the hospital for 2 nights. She had been perfectly healthy with no illness indication, but she was diagnosed with an auto immune that lowered her platelet levels dramatically, which caused an inability to form blood clots. With the support of Pets Best, I felt confident in having the hospital run all the tests and provide the care that was needed for our little sweetie. Submitting the claims for approval was simple and thankfully, even her ongoing bloodwork and medications are being covered. It's terrible to have a sick pet, but thankfully, we don't have to stress about the financial side of taking care of her, thanks to Pets Best!
Insurer: Pets Best
By: Kearie
Pets Best is the Best!
I appreciate how easy it is to submit and receive reimbursement after I've met my deductible. The process couldn't be more seamless - I upload the invoice for his monthly medications, I'm updated during all steps in the process, and receive an EOB once it's been completed, and I'm able to link reimbursement directly to my bank account. Everything is tracked and easy to access in my online account. I'm so glad I decided to get pet insurance for my dog!
Insurer: Pets Best
By: Jenna
Reliable and Fair Pet Insurance
We have had Healthy Paws pet insurance for our last two dogs, Winnie and now Grace. Particularly in the roughest moments, we have been very thankful we chose Healthy Paws for our pet insurance needs. Having our claims processed fairly and efficiently has been so helpful as we have navigated tough health situations with both dogs. We are very thankful we have found a pet insurance we can count on with no lifetime limits and transparent and consistent claims processing. This ensures we don't have to choose between our pet and our financial security if tough health situations happen.
Insurer: Healthy Paws
By: Katie
Awful
No communication of any substance regarding the claim. A month later all I've gotten is an email 3 weeks ago that they're reviewing the claim and don't need any additional info and a request to answer a survey. Are they going to cover the interest on my credit card that's adding up?
Insurer: Pets Best
By: Kendra
Do NOT Buy Insurance from Pets Best!!!!! They're Nothing But Thieves!!!!!
Do NOT Buy Insurance from Pets Best!!!!! They're Nothing But Thieves!!!!! My pup had an upset tummy and I brought her to the vet and go figure PetsBest denied my claim saying a vet visit isn't covered. I will be canceling my policy after speaking with their claims department tomorrow. Don't waste your money like I did!!!!!!!
My Dog’s Last Claim
Devastating final claim on my pets policy was for the euthanasia and cremation invoice. Completely understood cremation was not covered. Explanation of benefits on euthanasia was clear. The most important part was that I also received an email stating that my policy had ended the day after the invoice for the euthanasia, a pro-rated premium was being returned to me, and I didn't have to jump through 17 red tape hurdles to cancel the policy like I feared I would, while also grieving. The way it was seamlessly handled was the best gift. I’ve been a Pets Best customer for about 6 years and would highly recommend it. I did the wellness add on and it seemed worth it to me. In the later years my premiums were expensive but having insurance allowed me to make different decisions about my dogs health journey than I would have otherwise, such as doing additional tests or having tumors removed. I would recommend pet insurance to anyone, and Pets Best was easy and straightforward.
Insurer: Pets Best
By: Alexis
1st claim process experience.
I took my one year-old GSD for her annual shots. Filing the claim was very easy and simple. Everyone kept telling me that my first claim would take forever for the payout. It was directly deposited into my bank account within 3 to 5 business days of me filing the claim. So no, It didn’t take forever. It was actually very fast.! Thank you very much! 🐾🐶
Pets Best is the best for pets!
I have had to file claims in the last few months over 12 times. Each time they have made it easy and I didn’t have to wait too long for reimbursement. Because of this insurance my pug has been able to have surgery without me going into financial debt. It is worth every penny and I would recommend to everyone!