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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PetsBest is the best!
Mazie, a 5-year Labrador retriever, was diagnosed with Immune Mediated Poly Arthritis (IMPA) 8 months ago. It is hard to determine the cause and the appropriate treatment for IMPA, and unfortunately, Mazie has been an especially difficult case. No trigger for the disease has be determined and we have gone through the 4 main drugs typically used to treat IMPA. PetsBest has covered the multiple tests, medications, procedures, and vet visits. It has been difficult to watch Mazie go from healthy and active one day to lame and in pain the next. PetsBest has allowed us to get her the best treatment and has eliminated much of the financial stress. We are so glad we have PetsBest insurance and hope to get Mazie back to good health soon.
Insurer: Pets Best
By: Linda
Super duper easy and fast
A friend recommended ASPCA and I’m so grateful I went with them. Claims are super easy to process, and it’s amazing to not have to worry that one accident could be a horribly big decision.
Insurer: ASPCA
By: Amy
The Worst Service I Have EVER RECEIVED - Total Waste of Time and $
I purchased MetLife Pet insurance for my 2 dogs in February. I pay about $200-ish monthly for the policies. My large dog had an acute injury by hurting her leg in the yard when sneaking out of my fence, ultimately tearing her CCL. For a month and a half they have refused to reimburse my claim. My vet recommended that I purchase a brace for $900 instead of opting for a $6,000 surgery. So I followed her instructions and purchased the custom brace for my dog's leg, then submitted the vet visit, vet recommendation letter and itemized receipt. I've spent 10+ hours on the phone with agents waiting forever, and calling my vet. MetLife at first denied the claim saying that CCL injuries are normal wear and tear on a dog with age. The Vet has proof this was an acute injury. MetLife called the vet one time to try to get proof. When they didn't get through after one attempt, they never tried calling again for weeks and nothing was done. Over a month later I'm still on the phone. I provided a second itemized receipt as requested as well. They still won't process my claim or call me back or respond to emails. I want to be reimbursed for my claim and for the money I have spent on the policies since February. I don't want to deal with MetLife anymore. The call agents at MetLife have been incredibly unhelpful. They refused to call claims to escalate the issue and said I had to wait another 5+ days for them to email her. I called this morning to talk to her...waited 40 minutes and they wouldn't pass me over to her. They said she was on a call, but then wouldn't allow me to wait for her to get off. She just didn't want to deal with an upset customer. I will NEVER purchase pet insurance from this company again. Screwed me out of $600 and won't reimburse my claims.
Insurer: MetLife
By: Casey
Healthy Paws Pet Insurance is the Best
I had the put in a claim for my dog, Princess Winnie. First of all, and I mean this sincerely, I never dealt with an insurance company, pet or human, who took care of my claim so quickly, I can honestly tell you the whole process, including receiving payment for my claim, took about a little over a week. I am not kidding. Also, I received an email asking how Princess Winnie was doing. After I sent the email, I got a response from Healthy Paws again. I am so impressed with this company. I cannot believe how great the service was. Thanks.
Insurer: Healthy Paws
By: Rosemary
Highly recommend them!
I got pet insurance for my new kittens right after I adopted them. One of them has had a slew of health issues over the past year and Healthy Paws has really been there for me and my fur child. They are fast and they’ve got great customer support. Can’t recommend them enough!
Insurer: Healthy Paws
By: Carmen
Fast refund
Very happy. Every time I submit a claim, it is processed very fast and efficiently.
Insurer: Pets Plus Us
By: Robin
Simply the best. No stress, trusted insurance
My gal is now 12. She would not be alive if it were not for PPU. Several crises over the years. I have never hesitated to seek help as soon as symptoms arise. Coverage is exactly what was promised, with no questions asked and never a hassle. Recent issues is toe cancer. Multiple vet visits, comprehensive tests, and a quick treatment plan. Large claim (over $1000) paid out in 48 hours.
Insurer: Pets Plus Us
By: virginia
Excellent coverage, responsive and caring customer service
We have been Healthy Paws customers since we got our dog back in 2020. We knew we wanted pet insurance all along because it takes the financial question out of big medical decisions when your pup needs medical care, and reduces financial risk to our family so we know we can take care of our pup no matter what life throws at us. We shopped around looking at a bunch of different insurance companies, and eventually settled on Healthy Paws because the coverage is great and the cost is competitive. After being customers for four years and using our insurance to file claims for a few health issues our pet has been affected by, we could not be happier Healthy Paws customers. Submitting a claim is SO EASY, just submit the itemized invoice with no written explanation required, and they process the claim quickly. We take our checks in the mail, but direct deposit is an option as well if you want reimbursement more quickly. Customer service has been responsive and kind whenever we've needed it. We had one claim that was borderline regarding whether we were covered or not, and while it was initially rejected even the appeal process was convenient and Healthy Paws customer support has been excellent throughout. We would highly recommend Healthy Paws to anyone.
Insurer: Healthy Paws
By: William
Amazing Service
Amazingly quick turnaround time on claims. Easy to talk to claims reps. Best pet insurance company I have ever dealt with.
Insurer: MetLife
By: Diane
RUN FAR RUN FAST
Pets Best is horrible. When I bought the insurance I had no idea my dog was going to injure his cruciate. In the plan, it won't cover cruciate injuries for six months after purchasing the insurance. I understand that due to dogs blowing cruciates and people buying insurance to cover it. However, he DID blow the second one after the six-month waiting period, and Best Pets denied the claim stating it was a pre-existing condition. He had NOT blown EITHER cruciate at the time I purchased the insurance and thus, the condition was NOT pre-existing. He blew the first one five months into the plan. I could have waited and filed a claim after the six-month waiting period but it wouldn't have been fair to the dog. To make matters worse, they RAISED MY RATES without notification. They raised it by ten dollars. Some insurances would have covered both cruciates and if not the first, the last. The customer service got a 3 because they answered the phone and the person on the other end was pleasant. They got a 2 on the ease of filing a claim because my vet sent in my pet's records 3 times and Pets Best said they never received it. I had to go and upload all the records myself. It was frustrating. I should have done better research because others have had the same problem with raising the rates and filing claims. Others have experienced long, drug-out claims reimbursement. I will research other insurances for my new puppy and switch my other dog.
Insurer: Pets Best
By: Valerie