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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Being told that arthritis is a pre-existing condition for cancer?
Being told that biopsies were covered and then to get denied stating that they are not covered and cited a "pre-existing condition of arthritis" was absurd when the biopsies were testing for bone cancer, which as a medical professional, I know those are completely different diseases and not caused by one or the other. Spot can do better for spilling out this incorrect information. It was disappointing and absolutely wrong. Not sure what kind of medical/vetinary background your company has. Paid over $2k in monthly premiums this past year only to get every claimed denied. Last month, Spot decided to allow one vet visit but I haven't met my deductible yet. Also funny coincidence that after that claim was approved that my monthly premiums went up over $50/month with no notice or explanation as to why. Seriously think twice about Spot.
Insurer: Spot
By: Brandie
Once good...now Extortionists, violating consumer protections.
Healthy Paws was a good insurance company before they got taken over by Chubb. Rates were fair, coverage was good. Rates have escalated ridiculously since becoming "a Chubb Company." This year, after over 10 years of paying premiums, my rate was escalated by over 122%. In one fell swoop. This is a violation of consumer protection codes, and has been reported to the Better Business Bureau. This company has lost its moral and ethical compass, and has become yet another scummy extortion front. Truly abhorrent.
Insurer: Healthy Paws
By: Nicole Sarradet
Easy to submit claim
Easy to submit claim. Reasonable time to process it too.
Insurer: MetLife
By: Veronica F
Health insurance is important for pets, too!
Health insurance is important for people so why shouldn’t it be for pets? I never expected to use it for my young, energetic kitty but when I had to take her to the vet because she couldn’t keep anything down for a few days, I’m so glad I have it! It was easy to upload my documents in the app and I received my reimbursement within a week! MetLife Pet is great!
Insurer: MetLife
By: Jeannie
Excellent service and insurance!
Excellent service and insurance!! Quick payment, very easy to make a claim.
Insurer: Spot
By: Elsie
Easy to submit claims
Easy to submit claims. Timely responses
Insurer: Spot
By: Melissa
They downgrade your coverage when your pet reaches 7 years old!
I signed up when I got my dog in 2017. My plan’s coverage was 90% after a $100 deductible. My premium increased to about 4x the original amount over the years, which I understand. I just got an update that that coverage is no longer available for pets over 7 years old. They downgraded my plan to 70% after a $500 deductible. I understand changing plan options for new pets, but downgrading the plans of existing pets is disgusting. When you sign up, they assure you that costs will only increase with the price of vet care, not with your pet’s age. Now, they’re downgrading plans for senior pets knowing most won’t be able to get new plans with other companies at this point. People factor in affordability of vet costs when they choose to get a pet - downgrading their plans when their pets need it most is completely unethical. I recommended Healthy Paws for years, including to many pet owners through my work in shelters and hospitals. Now, I strongly advise against them. Haffner Law has a class action lawsuit for anyone interested.
Insurer: Healthy Paws
By: Christa
Easy to submit a claim!
Easy to submit a claim and response time was great,
Insurer: MetLife
By: L. Scott
The customer service is unmatched
The customer service is unmatched! Bonnie was my claims person and she went above and beyond for me and my dog that was in the ER. I recommend Pumpkin to everyone!
Insurer: Pumpkin
By: Heather
Very happy
They are very responsive and once I had a bit of trouble navigating the claim site, but that’s probably just me! Tech savvy I am NOT. I called and a very nice gentleman helped me. Once I passed my $500 deductible, they’ve covered what I expected! They paid into my checking account in a timely manner!
Insurer: Pumpkin
By: Cynthia Brown