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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Smartest thing I did
I bought pet insurance when my Boxer was 8 weeks old. Smartest thing I ever did and I tell everyone. A lot of people will say "well I'll just save for vet bills". ONE incident can cost thousands of dollars. Just make sure you understand your coverage. I chose Nationwide on my vet's recommendation. The yearly deductible is only $99 and after that I get reimbursed 90% of the claim. It's deposited right into my checking account. Her wellness visits are covered 100%. I wouldn't be without.
Insurer: Nationwide
By: Kathy
Always There Immediately!
Trupanion has become our lifesaver, a reliable best buddy, you name it. My dog Jack has recently had a slew of consecutive health issues that began with seizures late one night. Hospital after hospital, appointments, tests, medications and Trupanion has been there for us through ALL of it. Trupanion approves the claim then pays the hospital directly for their portion, without hesitation. No paperwork for you and no waiting for reimbursement. Don't be fooled thinking you can't afford pet insurance. As a fixed income, retiree, Trupanion's flexibility allows me to choose the cost of the deductible by what I can afford for a monthly premium. There is a plan for every budget.
Insurer: Trupanion
By: Julie
Fast and Easy
After some pricey oral surgery for our 8 year old Golden Retriever who fractured a tooth, we filed our 1st significant claim with Healthy Paws. The process was very straight forward. We just uploaded the invoices and the medical report our vet gave us. We were impressed with how fast the claim was handled and reimbursement was received. They even followed up asking how our dog was recovering. We are so thankful we had the insurance with Healthy Paws! After this experience, we would definitely recommend them.
Insurer: Healthy Paws
By: Moira
Excellent Response to Our Claim
Our puppy swallowed part of a bully stick which lodged into his esophagus then stomach. He needed an endoscopic procedure to remove it. This was our first claim and we were very happy with MetLife Pets' efficient and timely follow through in reimbursing our costs in accordance with our policy.
Insurer: MetLife
By: Doug
The used to be the best, I don't believe that's true anymore ......
Been with Trupanion over a decade. For probably 8 years i never had an issue. But over the last few years it's been pretty terrible service. Specifically their claims department. They will blanketly deny claims saying a form is missing or provide some excuse and hope you don't fight back. It's happened several times now. Most recently my claim was denied for not having an itemized invoice attached and they sent me instructions how to download an itemized invoice from chewy. Only problem was THAT IS LITERALLY EXACTLY WAS WAS ATTACHED TO THE CLAIM THEY DENIED! So they denied my claim saying i need to download an itemized invoice from chewy, and attached to that denial was my itemized invoice that i had downloaded from chewy. I called, argued, i provided not a single additional piece of documentation and VIOLA now all of the sudden my claim was magically approved. Wait .... i thought it was missing data? They do this now just blanketly deny claims and hope you don't push back. I just had 3 claims denied. Find a different provider.
Insurer: Trupanion
By: Kevin
Worst Insurance Experience in my Life
Pets Best is the absolute worst insurance company I have ever dealt with. For forty years, I have had positive experiences with Blue Cross, AAA, Nationwide and more companies for every aspect of my life. Pets Best stands out as the most unscrupulous entity I have ever dealt with. They delay processing of every single claim. Then they attempt to deny every single claim, causing our busy Veterinarian practice to have to contact them to debate why certain tests and procedures were completely necessary for the well being of our beloved pets.. Pets Best phone staff are not well informed, their computer system is outdated and they are unethical with their dealings. One operator told me that because one of our pets went through an illness, she was red flagged for dismissal of her policy if our payment was ever even one date late as they wanted to "get rid of her". We are preparing a complaint for the State Insurance Commissioner. We go to the best Veterinarian practice in our County. They have thousands of clients as they have numerous specialists and cutting edge facilities. Their staff tells us that all of their clients who have Pets Best have the same complaints and that clients are happy with other carriers- especially Nationwide. We have signed up our younger Pets with other insurance companies and they are vastly better in every area.
Insurer: Pets Best
By: Alexandra
PET INSURANCE REVIEW
Tried several companies and vets before discovering Met Life. It was the best decision I have made. Never a problem submitting a claim directly from the vet's office, and issuing me a copy. All adds up after Met Life reviews and issues payments. No declines, no-nonsense company, the very best to deal with, perhaps those complaining have a problem with their chosen vets as I did before discovering one that was not out to cheat the patient's owners.
Insurer: MetLife
By: VELIA
Highly Recommend Healthy Paws!
I’ve had Healthy Paws Pet Insurance for about 10 years, first for one of my dogs (beagle mix), then a couple of years later for the second one when we got her (dachshund mix). Healthy Paws has been great. No claim forms - just the invoice and vet’s notes. They’re very nice on the phone and the turn around time for payment of claims is very quick. I highly recommend Healthy Paws!
Insurer: Healthy Paws
By: Mary
Great company to work with
MetLife Pet Insurance has been so easy to work with. If you take a photo of your paperwork and send it to them, you can get your claim filed very quickly. They usually have a response in just a few days and will deposit the reimbursement directly into your bank. If you have any questions, I have consistently been able to reach a live person on the phone who has been able to answer all questions. Very happy we have pet insurance through this company!
Insurer: MetLife
By: Fran
There is no better pet insurance provider on the market!
We have 2 dogs enrolled in Healthy Paws insurance, and unfortunately one has had to have multiple surgeries the past few years. The entire claims submission and reimbursement process has always been smooth. Healthy Paws even reached out to us to check in our dog after his most recent surgery, which we really appreciated. We are forever grateful for Healthy Paws and cannot recommend them enough for your pet insurance needs. We did a lot of research up front on the best company to go with and based on that along with our actual experiences, I truly do believe they are the best in the business.
Insurer: Healthy Paws
By: Michael