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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Claim processing is chaotic and lengthy
Overall we had a negative experience with Pets Best insurance. It took about 5-6 weeks to process our very simple claim for a pet injury. There were instances when Pets Best said that they were missing documents when they had been in fact sent (I could see dates in my emails) and received by Pets Best. I had to make multiple calls to get representatives to double check everything. We could not count on their systems to do what they were supposed to do automatically. Then the representatives said there were problems with filetypes. Who is 2026 still has problems opening pdf's? We sent the filetype they requested but they still had technical problems on their end. After many calls, many emails, and many uploads to make sure that they were doing things correctly, the claim was able to move forward. We had to advocate to get expedited processing after all the chaos. Ultimately, for the cost of Pets Best, there was so much handholding we had to do for Pets Best employees to do their job, that it's really not worth it. We look forward to switching insurers in the future.
Insurer: Pets Best
By: Anja Zgodic
Important fact they neglect to mention.
BEWARE. Know what you are doing before you do it. I have never had pet insurance. This was the first time ever. My wife made an appointment for the dog. Took the dog to the vet. Filed the claim and it was denied. WHY? Because the owner info on the invoice was in my wife's name since she made the appointment. Having never had pet insurance, it never occurred to me that the bill had to be in MY name. And, Pets Best does not make that IMPORTANT fact clear on their site. Some user error here, I know. But that is something they should make clear on the site.
Insurer: Pets Best
By: Sailordad
Timely review of claims and quick…
Timely review of claims and quick payment.
Insurer: MetLife
By: Rick
This is the first time that I believe I…
This is the first time that I believe I was compensated for bringing the dog to the vet.I don't know if it's because you have to be your annual deductible or what , but this is the first time that i've been compensated
Insurer: MetLife
By: Ashley
Easy to file claim
It is very easy to file a claim and they are very quick to respond. I have submitted claims after paying out of pocket and have been reimbursed without much delay. They are also always available and friendly to help with any questions. I recently had a claim filed by the vet and paid the difference. It was extemely fast!
Insurer: Trupanion
By: Claudine
Claims were processed and paid quickly
Trupanion responded to both the estimates from emergency vet clinic and orthopaedic surgeon for my dog's fractured femur promptly, processed the claims, and paid all within a few days. I'm so relieved that I chose Trupanion years ago.
Insurer: Trupanion
By: Pam
The ease of submitting an invoice is…
The ease of submitting an invoice is easy, that is a plus. The negative part is practically nothing is covered. I would not do this again, if I get another pet.
Insurer: Trupanion
By: Diane
Easy to file a claim
Easy to file a claim, quick and efficient payment
Insurer: Spot
By: Kathy
Excellent insurance
I have 3 bloodhounds and many veterinary visits. This insurance has been a blessing. It is easy to make a claim. It is very convenient and quick to reinverse. Thank you so much!
Insurer: Spot
By: Kelly Herman
Fantastic insurance company
Fantastic insurance company. Easy to submit claims and follow thru the process. Quick review and approval. Direct deposit is great! Will use Healthy Paws for all my pets.
Insurer: Healthy Paws
By: Phil