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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Fabulous insurance
Fabulous insurance! The best I have had out of 4 other companies.
Insurer: MetLife
By: Jeanne Brantley
Cat uti
My cat had a uti and had to go to the ER so things were already stressful, so when I filled my claim it was was possessed fast so I had less to work about
Pet Best is the best
This Pet Best insurance company is on top of everything like your claims that are taken care of right away, and they make sure your pet’s needs are being cared for.. they get a A+ from me.
I purchased an accident-only policy…
I purchased an accident-only policy with Pets Best expecting coverage in the event of a documented emergency. In November, my dog suffered a traumatic injury, resulting in acute paralysis. Emergency records documented a suspected spinal injury, and a board-certified neurologist later diagnosed intervertebral disc extrusion with myelomalacia. She had no prior medical history. Despite clear documentation of an accidental spinal injury, Pets Best denied the claim, first stating it was “not an accidental injury.” without providing any meaningful explanation or reference to the medical findings. When pressed for clarification (in writing), they reclassified the condition as a cruciate ligament event—even though no veterinarian diagnosed a cruciate ligament injury and the medical records clearly identified a neurological spinal condition. The claim was ultimately reversed only after I filed a complaint with the California Department of Insurance. While reimbursement was issued, it required regulatory intervention and multiple rounds of follow-up. Insurance is meant to provide peace of mind during emergencies. In my case, I had to escalate and involve a regulator before the medical records were appropriately reviewed. There was no acknowledgment that the original denial was incorrect and no apology for the financial strain caused. Based on this experience, I would not recommend Pets Best.
Insurer: Pets Best
By: Imani
claim process is simple and easy
claim process is simple and easy
Insurer: Healthy Paws
By: Baldwin Toy
Our dog broke her right upper canine on…
Our dog broke her right upper canine on a frozen jolly ball in our courtyard. Unknowingly we went to dog training and the dog trainer noticed her work ethic was poor and started looking at her from a distance. He noticed the missing canine. I left training immediately and went to a dog urgent care. The canine was cracked off to the gum yet there were still 1 inch of canine remaining in the jaw. An insizor was also broken. My girl needed surgery right away. We’ve had healthy paws for her entire life and she is six years old. Healthy Paws is a wonderful insurance plan to belong to. The only thing that doesn’t make sense to me is that rechecks are considered exams and are not paid for. To me if a pet has surgery, it is absolutely critical that the surgeon follow up and evaluate their work and make sure that their work is complete. In our case, one vet thought that there was a hole where maybe a stitch broke. We needed the surgeon to evaluate the mouth and the 11 disintegrating stitches. There was no hole when viewed under surgical lighting. No further procedures were necessary.Healthy paws should be paying for rechecks in certain cases and not just telling us that it’s considered an exam and therefore they will not pay. I don’t agree with this policy. I wish healthy paws would change it. Especially where surgery is involved. Thank you for listening, Healthy Paws.
Insurer: Healthy Paws
By: Linda Tanner
The claims process was easy and…
The claims process was easy and straight forward
Insurer: Spot
By: EDWARD
Great customer service and prompt…
Great customer service and prompt claims processing
Insurer: MetLife
By: customer
I have NEVER…
I have NEVER had any sort of insurance respond and act as fast as Spotpet did. They did exactly what the policy said it would do and we are ALL happy. In fact I’ve already recommended them to a friend with a new puppy. Thank you Spotpet!!! , Lucy’s mom
Insurer: Spot
By: Debbi
It's nice to find a pet insurance that…
It's nice to find a pet insurance that covers some wellness, most are just catastrophic coverage.
Insurer: Spot
By: Customer