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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It was easy process to enroll
It was easy process to enroll. Give great details of what can be covered based on choices selected
Insurer: MetLife
By: Ericdan Jose
Things You Should Know…
Too long. Takes about 1 month to hear the standard email of “we’re sorry for the delay”. Then another 2 weeks-4 weeks to receive the EOB. I’ve had my plan for around 5 years and this has ALWAYS been the case. No matter the size of the claim, the timing, etc. No one actually looks at the claims either. Whatever you categorize it as, is what the computer will continue with. I accidentally put “Wellness” on a claim when it was clearly “Illness” if you read the claim, and the EOB still shows “Wellness”—still 6 weeks to return the claim mis-categorized. You cannot change it once you submit to fix it. The app is constantly broken. The website constantly asks you to confirm your identity despite using the same device, every time, even if you just logged in 5 min ago. They keep deceased pets on your profile so you get a constant reminder when you log in. If you sign up, do the least plan possible. I did the highest plan as it was a fine price when they were younger. Well, each year as they age, the price goes up exponentially. If you want to decrease it, you can never go back up, ever. It’s a trap almost which is awful as the older they get, the more you’d like the coverage, and even without claims, it’ll increase regardless due to age of your animal.
Insurer: Pets Best
By: Katie Carlsen
Be Proactive with Patience
Generally I like Pets Best. However, they take a long time to process claims. Easily 3-4 times as long as my friends company. But I have a better policy with more coverage and a better online experience. The automatic email communication is subpar. Several times the issue with a claim getting processed was a lack of medical records but Pets Best didn't tell me they weren't getting a response from my Vet. I had to call Pets Best to figure out what was going on over a month later. This could have easily been prevented if in the first delay email they just included WHY the claim was delayed. But again over all I am satisfied that Pets Best is the best option for me and my pupper right now.
Insurer: Pets Best
By: Jen
It was so easy and fast
It was so easy and fast; submitting the paperwork, acknowledgment, processing, and payment.
Insurer: Pets Best
By: Miguel Nowak
Benefits were paid promptly without…
Benefits were paid promptly without question allowing us to focus on our puppy's recovery. Buying a policy was the best decision we made for our puppy.
Insurer: Pumpkin
By: customer
Good Experience!
The claim was reviewed quickly and I was reimbursed promptly.
Insurer: Fetch
By: Melissa Benenfeld
My experience has been great
My experience has been great! I recently had to take my kitten in for emergency care and was so relieved when Fetch promptly processed my claim and honored their committment. Prompt, hassle free reimbursement!
Insurer: Fetch
By: Carolyn
Trupanion Has Your Back
Trupanion is a fabulous insurer. I run out of superlatives to praise this company. Trupanion insured both my dogs since the were 12 week old puppies in 2016. I cannot think of a more responsive company. They prepaid every covered procedure my dogs had, and there were a lot. They covered multiple prescriptions usually within a day. The direct deposit feature is terrific. Trupanion also has fantastic customer support. Finally, Trupanion demonstrated compassion and care when I lost one of my pets in 12/25. To top it off, Trupanion planted a tree in Kenya in memory of my cherished departed pet. You cannot go wrong with Trupanion.
Insurer: Trupanion
By: Judith
10/10
Easy process. Great coverage options. Affordable prices. I compared to other pet insurance options and this was definitely the cheapest, even without my employers 10% discount. And the cost automatically deducts from my paycheck. What a win!
Insurer: MetLife
By: Julie Smolenski
Great in Emergencies
I have had some unfortunate emergency situations come up with my cats and each time spot has come through for my cats and me. Best decision I’ve made so far.
Insurer: Spot
By: Stephanie Marin