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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make sure you know what you are buying
When i signed up for pet Insurance i was led to believe that the premium i was paying included wellness. I took my dog to the vet to check on some discharge in her eyes and i was given some drops and the eyes cleared up. I then made a claim to Pets Best and nothing on the claim was covered not a single penny. I guess you have to have your dog hit by a car to be able to make a claim that is processed. Lousy customer service. When i called the person was unapologetic like i was an idiot to assume that any of my dog's bill would ever be taken care of. I canceled right away and now have pet insurance with Spot and wellness is included for almost the same price i had been paying Pets Best for a couple of years. Make sure you ask and get it in writing before you sign up.
Insurer: Pets Best
By: David
Best Insurance Provider!!!
We got insurance for our dog because she is getting older and we wanted to make sure we were never faced with the option of either helping her or euthanizing her. I am extremely glad I did! 6 months later and she was diagnosed with Addisons disease. The claim process is SO easy and we had our money back basically within 48 hours. They are quick to respond and their customer service is top notch. Moving forward, if we ever get another fur baby again, I will insure them from the beginning. It is very affordable and you can customize your plan to meet your needs.
Insurer: Lemonade
By: Taylor
Very easy insurance
Lemonade makes it so easy to file a claim, everything is done through the app and you don’t have to call or sit and wait for hours to speak to someone. I love the online chat service because you can file a claim at literally anytime. I love that I can submit my supporting documentation via the same chat and reimbursement is quick. So happy we got lemonade for our fur baby.
Insurer: Lemonade
By: Liliana
Covered dog's emergency visit and TPLO surgery due to injury/CCL tear
We are lucky we signed up for pumpkin. We talked about it for a while and never did and then decided to right before a trip and an annual checkup with the vet. That week, our dog went to jump on the bed and tore her right CCL and needed TPLO. Had to send pumpkin a million documents from her vet visits, but they covered it. Originally put it on carecredit and completed the claim process which took 7 weeks and then they paid the claim out within the week that they approved it. Unfortunately her left back leg CCL is completely torn now. Hoping they cover this one since it tore compensating for the right side. We have the unlimited plan.
Insurer: Pumpkin
By: Kortney
Very easy to use, shady math with coverage
The app and submitting claims are very easy, the company pays very quickly on claims as well, which is great. My only complaint which is more a frustration is the way this company does their math as it relates to coinsurance and deductible is different than any other type of insurance I’ve ever had and clearly favors Lemonade, not the consumer. Then again, insurance companies number one goal is to make money, not to pay it out, so no surprise.
Insurer: Lemonade
By: Rudy
Petsplusus
Very efficient, quick claim service.
Insurer: Pets Plus Us
By: Zuleikhaa
Best Insurance Company
I am so thankful to have this insurance company for so many years for my two furry babies. I cannot imagine not having Aspca insurance. I got covered when I needed the most. Thank you for being there for my babies!
Insurer: ASPCA
By: Carolina
Best Pet Insurance
I'm very pleased with the coverages I receive, and the ease with which I can file claims. Not a fan of their iPhone app. I continue to file claims on the website. I love that they can direct deposit my payments instead of sending a check. I would recommend that they provide a means of changing direct deposit information on the website. Other than that, I highly recommend MetLife Pet Insurance!
Insurer: MetLife
By: Richard
Never ever without Trupanion.
Every hard medical decision becomes easier with Trupanion. You never have to choose the lesser treatment because of the cost. Your dog always gets to best treatment for the situation.
Insurer: Trupanion
By: Edith
MetLife was the Silver Lining
After 48 hours of diarrhea from both of our 6-month-old French Bulldogs, we had to bring them in for an emergency evaluation. After spending $3,000 and a 7-day course of pre-biotics, they are now back to normal. The positive aspect of this situation is MetLife Pet Insurance. We have always had insurance for our previous pets with other providers, but they all pale in comparison to MetLife. The process for submitting a claim was so efficient that it was almost hard to believe it was that simple. I filled out the claim form online, attached the detailed treatment receipt, and received confirmation of the claim receipt within 1-2 days. We were then reimbursed within 7-10 days. I highly recommend MetLife to anyone in the market for pet insurance.
Insurer: MetLife
By: Evora