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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Great job!
Great job! These were our first claims, easy process, quick response. Very happy we chose Fetch.
Insurer: Fetch
By: John
Uploading claims
Uploading claims, refund process all very simple and easy to understand.
Insurer: MetLife
By: Heather Webb
I'd Have Lower Out-of-Pocket Expenses Without the 'Insurance'
BLUF: I will be cancelling this insurance. Why? Because I recently filed more than $8,000 in claims that resulted in a $380 reimbursement. First, the claims took 2 weeks to process -- time that they clearly spent trying to figure out how to reject each individual compoent of each claim. Out of $8308.70 in claims, they paid $380 -- and that's after the $76/month in premiums, totalying $912. One of the claims that they denied was the dog's spay procedure; the reason for rejection was, "The maximum Wellness amount for these services has been previously paid for this policy term." That's funny, as I do not recall having spayed my dog more than once EVER, never mind more than once this policy term. That explanation, "The maximum Wellness amount for these services has been previously paid for this policy term," is repeated over and over and over again in their explanations of benefits, resulting in 7 out of 9 vet visits receiving $0 reimbursements, and a single $4,193 claim -- which included the (one and only) spay procedure -- qualifyiung for $205 in reimbursements. In short, for more $900 in premiums, they paid for less than $400 in claims. I actually would have saved money if I didn't have pet insurance. And this was a year of high vet bills; in a year of lower vet bills, they would presumably pay even less, resulting in more out-of-pocket expense for me. And that is why I am cancelling this insurance (once I receive the $380 that they've agreed to pay).
Insurer: Pets Best
By: VS
Easy online usage and good coverage
Easy online usage and good coverage
Insurer: Nationwide
By: customer
App Based
I submit any claim from my veterinarian to MetLife Pet Insurance and eventually get a response back either good or missing notes from the vet. Nice my insurance refund is added to my PayPal account. Sometimes a little difficult to find and upload files from the iPhone.
Insurer: MetLife
By: customer
My experience is  slow to pay always…
My experience is  slow to pay always looking for a way to get out of paying after over 14 years of paying my monthly premium. When I submit a bill they say well it’s eligible for review. Then days go by.  my vet sent them a bill directly over half a month ago Trupanion says we’re waiting for information from your vet. My vet says they’ve already sent everything two weeks ago. If you look at the top 10 that insurance companies, Trupanion is not on the list.
Insurer: Trupanion
By: Kirt Bell
I missed the date for submitting initial claim.
I missed the date for submitting Jellybean's initial claim. I called for help and spoke to the most helpful and gracious young lady. She walked me through the process for submitting the claims, telling me to include the initial claim even though it was not included in the charges. She explained that would make it easier for the claims adjuster to process the charges. It was very easy to complete and submit the paperwork. I promptly received conformation of receipt. I am most grateful for the updates of claims status and EOB. Thank you, MetLife for you help with my Jellybean.
Insurer: MetLife
By: Betsy
Somebody’s Claim
Ease of claim submission
Insurer: MetLife
By: Francine Marvin
Quick and easy
Quick and easy! Doesn't get better than that.
Insurer: MetLife
By: customer
So happy with Trupanion
So happy with Trupanion, our dog has cancer and they have made getting treatment so easy and with less stress. We have had to have some very difficult conversations as a family but Trupanion has taken much of the financial burden away and while we know our time may be limited with our dog we will cherish every moment.
Insurer: Trupanion
By: Brian