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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Emergency Triage Denied as 'Office Visits' – Flawed Appeal Process
I am writing this to warn other pet owners about how Pets Best handles emergency claims. My dog, Maddox, required life-saving emergency care, yet the company denied reimbursement for mandatory 'Emergency Triage' and 'Specialty Transfer' fees. They are misclassifying these critical clinical requirements as elective 'office visits.' I followed their protocols and filed a formal internal appeal, which was denied on March 11, 2026. Despite providing evidence that these were clinical prerequisites for life-saving diagnostics, the appeal was a 'rubber stamp' rejection. Furthermore, my account still has unresolved discrepancies regarding diagnostic shipping fees that have yet to be addressed. It is frustrating to have to fight for coverage that is clearly medically necessary. Very disappointed.
Insurer: Pets Best
By: Lisa
Sour Lemonade
I would not recommend Lemonade insurance. In my estimation they have made everything very difficult in terms of accepting basic claims. Their customer service is good if you like rejection. I feel like I wasted my money with this insurance company.
Insurer: Lemonade
By: Mered
Great insurance
The claim process is very easy. The process wait time is a little long to get the decision and payment. But the insurance is great
AVOID AT ALL COSTS
If I could sign up with any other provider I would. However, Pers Best decided that, due to a clerical error on the part of the vet, our cats asthma was “pre-existing” because it was diagnosed one day before their arbitrary waiting period - which again was a documented mistake. Let’s best doesn’t care, they see dollar signs and will stick you with every single bill the possibly can. Claim for teeth cleaning with anesthesia? NOPE you didn’t have it done within 13 months. Teeth cleaning within 13 months? NOPE uhh… here’s a new reason we made up. Ive had to report let’s best to the BBB and my states DOI more than once. I genuinely want the worst for their administration.
Insurer: Pets Best
By: Tyler
Great experience through tough times
My dog had to have hip surgery due to repeated dislocations. The dislocation happened out of nowhere without any trauma or apparent cause so it was very sudden and stressful. We tried repeatedly to put the hip back into the joint to avoid surgery but his ligaments were too torn and surgery was the only route. Pets Best has been great throughout. Gave me peace of mind knowing we wouldn't be in crazy debt due to this.
Insurer: Pets Best
By: Jianna
Clear and Easy
super easy to understand everything that’s covered, and they cover a lot! really good coverage for the price & would reccomend
Insurer: MetLife
By: Ivy Rae
Fur baby Maggie
Easy to submit a claim. Fast response. Peace of mind k Kai g we have Maggie covered if an emergency arises.
What needs improvement
I guess I would try to make potential customers understand that most things are not covered - that this insurance is for major illnesses in your pet - and for that you are fabulous!
Insurer: Spot
By: Jackie
Satisfied Customer Over Multiple Years
This was my first experience with pet insurance and we have now had Pet’s Best for a few years now. We chose a plan with a high deductible and didn’t need to submit any claims for multiple years. That changed when my dog was later diagnosed with a chronic disorder. The reimbursements have been consistent and timely I can easily submit claims online or through the app and receive an explanation of benefits each time. It takes less than 5 minutes to submit a claim and they are processed quickly. While the price for insurance does rise each year due to my pets getting older and healthcare inflation, the increases are reasonable and have not prompted me to look elsewhere because I am treated so well here.
Insurer: Pets Best
By: Alex B
Easy Claims Experience
Healthy Paws made the claims process so easy. Filing was a breeze, their response was prompt and their explanation of benefits was easy to understand. Reimbursement was sent super fast.
Insurer: Healthy Paws
By: Joy