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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Claims submitted are handled quickly
Claims submitted are handled quickly. Had an issue with a missed bill once and when repported it was handled immediately. One issue I have is the rate has gone up into the second year. Waiting to see what happens next renewal time
Insurer: MetLife
By: customer
Claim Closed Without Explanation – Reopened Claim but Told It’s “Just Closed, Not Denied”
FPI30000114468 My claim was closed without a clear explanation. When I reopened it, FIGO said it cannot be appealed or processed because it is “just closed, not denied.” They then asked my veterinarian to contact them to explain a credit shown on the receipt, even though the receipt already includes full vet information and FIGO has my vet on file. This is unacceptable. I pay insurance premiums. It is FIGO’s adjuster’s responsibility to verify invoices directly with the vet, not to close claims and push the work onto the customer or the veterinary clinic. Closing a claim without verification, refusing to reopen it, and then telling the customer to ask the vet to call you is irresponsible and lazy claim handling. If you actually need reimbursement when your pet is sick, be very careful with FIGO.
Insurer: Figo
By: Ada Ng
It is easy to file a claim on line and…
It is easy to file a claim on line and the pay out is speedy
Insurer: MetLife
By: H Patricia Morrison
I will admit
I will admit, when I was offered the thirty-day free trial from my vet, I was very skeptical, but I did it. And I am so glad I did. My puppy had an emergency, and the bill was over three thousand dollars, and I only had to pay six hundred of it. I couldn't ask for an easier experience with an insurance company than I got with you. I am so grateful, and I will keep you for as long as the dog is alive.
Insurer: Trupanion
By: Lisa Marquis Purplehaze
It is easy and quick to file a claim
It is easy and quick to file a claim, have it processed and paid.
Insurer: MetLife
By: Chris Giunta
So many hidden t&cs be careful!
So many hidden t&cs be careful!! not worth the money you’re saving and they ring and fight with your trusted vet when you try claim. Remember if it’s too good to be true it usually is.
Insurer: Fetch
By: Mr Michael Audrain
Complete waste of money
Complete waste of money, maybe a total scam. I started my policy when my cat was 4.5 months old and canceled it after a year because he was recently diagnosed with IBD and embrace won't cover ANYTHING digestive related all because my little kitten had one instance of vomiting prior to my policy start date. He could have vomited for any reason, ie eating plants or food he's not supposed to, or eating too quickly, but because it was on his medical record embrace said they would not cover anything digestion related. So if his IBD turns into pancreatitis, lymphoma, or even if he just needs steroids to manage it, nothing would ever be covered. I'm furious. Embrace did not cover any of the numerous fecal, blood, checkups, emergency visits, vaccines, and ultrasound tests throughout my year of having it. Embrace doesn't do anything but take your money. Apparently AKC covers preexisting conditions so I'm switching over to them. On top of that, it was really hard to cancel because two of their listed phone numbers to call would not go through. I had to call the number to BUY a policy and ask them to transfer me to cancel. Total scam.
Insurer: Embrace
By: Josephine
Fair and equitable
I have found the reimbursement process for claims to be smooth and completed in a reasonable amount of time. I am very pleased to be able to claim for the veterinarian prescribed dog food my pet requires.
Insurer: MetLife
By: Douglas G.
Not a great experience
I have been paying Seventy some dollars every month for almost 4 years. I had never had a claim until last week. The bill was for $156. It was found that my dog had an UTI. They did not pay for the exam which was to find out what was wrong with my dog, not a routine exam. I will be canceling my insurance tomorrow.
Insurer: Trupanion
By: Gordon
Embrace wanted me to resubmit the…
Embrace wanted me to resubmit the invoice. Embrace claimed the limited information on the left side was cut off. Their system did the cropping. I was looking at the photo while I was on the phone with them. When I asked exactly what was missing so I could retake the photo and recenter the invoice so the dates and my first name would show the customer service rep just kept repeating herself. When I asked for another rep since we were not communicating I was put on hold for over ten minutes. Then she came back and said no one was available. This is the second time I have been horsed around about a claim. I am done.
Insurer: Embrace
By: oliver hardy