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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the hoops you have to jump through…
the hoops you have to jump through regarding medical records and the lack of communication other than emails saying claims are pending history review are very annoying. I've had 2 other pet insurance companies neither did what embrace is doing to process a claim. I hate changing again at this point but very disappointing customer relations and service.
Insurer: Embrace
By: Danette Riddle
I've ensured my pets with them for…
I've ensured my pets with them for years and they have been reasonable mostly. I did have to file an appeal on a claim that was rejected multiple times. I did finally receive refunds. The process requires resilience, patience and persistence from the customers. It does seem the processing team doesn't want to or are trained not to investigate on complicated claims but to reject them by coding them as disqualified items, if you want your refund you need to be patient and not give up on trying.
Insurer: Pets Best
By: Shirley
Metlife is easy to work with
Metlife is easy to work with. The app makes it easy to upload claims. The claims are filed and refunded within a week
Insurer: MetLife
By: customer
Have always been very helpful and…
Have always been very helpful and willing to take care of claims. I'm not one to usually leave reviews on companies but I also work in insurance so I'm very familiar with companies. Pumpkin is one of the better ones I've seen. Highly recommend!
Insurer: Pumpkin
By: Brent
Quick and Simple Process for Claims
Quick and Simple Process for claims. Online instructions were simple and to the point. The refund was processed quickly and I received reimbursement in a timely manner.
Insurer: Spot
By: Paula Eschmann
TOP CHOICE
Submitted my claim to MetLife, and their response was quick and efficient. I used them previously for my cat who passed away last year and once I knew I was getting a new cat I knew that MetLife Pet Insurance would be my top choice
Insurer: MetLife
By: Erika P
Thankful for pumpkin
I'm super glad to have pet insurance, my experience with Pumpkin has been great. I've submitted two claims in my time with them and both have been reviewed and reimbursed basically immediately. My cat recently had a urinary blockage from bladder stones, something I wasn't expecting since she's a girl, and when the vet told me she needed surgery it was a no brainer. She said we could try a lower cost option, but it would have been gradual, not guaranteed to work, and my girl would've kept suffering till it worked, and I'm so glad I have Pumpkin so I didn't even have to consider that option. I wanted whatever got her feeling better faster, so we went with surgery, and now she's on the mend and I've still got money in my bank account. Highly recommend!
Insurer: Pumpkin
By: Alexandra
Easy and quick to file a claim
Easy and quick to file a claim. Turn around time is as to be expected.
Insurer: MetLife
By: Heidi Jackson
I have multiple dogs and I have had…
I have multiple dogs and I have had Figo for a few years for all my dogs. One of my dogs became very ill suddenly and was diagnosed having T-cell Lymphoma and had to be hospitalized. The docs recommended chemo. My bill for him is over $15K and I promptly submitted all the invoices along with the hospital records at Figo's request. First round of claim was submitted three weeks ago, still in review. The second round of claim, of course, still in review. No past cancer history. They must know people need reimbursement to continue pay for the critical treatment for their beloved family member. I have been told they now have "everything" for the last 10 days. It is very frustrating... I don't know if Costco is aware of people's complaints about Figo.
Insurer: Figo
By: TCZ
It's nice to have the peace of mind…
It's nice to have the peace of mind with pet insurance. I have the Preventative health in addition to the illness insurance. How wonderful to actually get money back from going to the vet! The reimbursement was soooo fast too! Great company with a proven track record. My concern with other pet insurances was their lack of longevity. Also, beware that some insurances won't insure your pet after the animal reaches a certain age.
Insurer: MetLife
By: Barbara Bolter