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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I covered my 2 cats with healthy paws…
I covered my 2 cats with healthy paws when I first got them as kittens. Healthy Paws has always paid claims quickly and fairly. I’ve never had to fight them on anything. I dont know what I’d do without this coverage. It has been life saving or I should say kitty saving.
Insurer: Healthy Paws
By: Robin Gerber
My heart broke… but fortunately we had insurance
My heart broke when a large dog attacked my service dog. The long recovery process has been challenging for all of us. The owner's dog never offered to help pay for the medical bills. Pumpkin Insurance never hesitated to pay out their share of my invoices, and therefore, with all the life-changing issues with KAZ’s health, at least I don’t have to stress over paying 100% of the medical bills. We are still in recovery mode, and it is still tricky, but now with PT, I hope my service dog can return to taking care of me.
Insurer: Pumpkin
By: Melanie Whaley
Best pet insurance with the complete coverage
The rate is very reasonable for the whole coverage for my dog which includes wellness. The claims are easy to file with the MetLife app and reimbursement is quick.
Insurer: MetLife
By: Kyong
You shorted me $116 on a claim
You shorted me $116 on a claim. Not trustworthy.
Insurer: MetLife
By: customer
so far so good - correction, EXCELLENT
Best -- they responded quickly to answer my questions when I needed to file a claim. They were supportive with my questions. Once I filed the claims, they reviewed them and sent me their determination within 2 days. BONUS -- the vet who answered my questions was the same person throughout my claim and understood how to work with me during the process. She was supportive, polite, kind and informative. Worst -- for non-insurance people like me, I did not know what all was covered. I mentioned irrelevant details on the claim that was used as a reason to decline coverage on one of my claims. Unknown -- I will be expecting insurance checks for the other claims that were partially covered in the next 10 days. I hope there are no delays. **** update -- I received the checks today! Great timing, fast turnaround. ****
Insurer: Prudent Pet
By: abredyyahoo.com
Claim nightmare
When submitting a first claim, Spot keeps insisting on requiring health records for our cat from 1/1/2024 to the present. This cat is a 14 month old rescue with no health history before 10/2025. We supplied all heath records we have from the rescue shelter and our new vet, but Spot refuses to process claim. We are now trying to cancel account with Spot and are running in to a new series of road blocks.
Insurer: Spot
By: Furious
The claims I submit are frequently…
The claims I submit are frequently denied and mislabeled as pre-existing conditions or under a different category such as “preventative care” so that they don’t have to be paid out. I have then had to submit appeals which further delay the process of reimbursement.
Insurer: MetLife
By: customer
Super Attentive
They have been super attentive with communicating the policy coverage. Easy and quick to file a claim
Insurer: MetLife
By: Raychel
5 stars for efficient claim processing, coverage/reimbursement & friendly service always!
I give 5 stars for the efficient manner in which everything flows from submitting my claims to getting my correct claims covered as per my plan in a timely manner. Also the phone reps are ALWAYS super friendly AND HELPFUL!!! Appreciate that!
Insurer: MetLife
By: Cheryl Ion
Pets Best is the BEST
Pets Best has been the single best investment we have made in our dog. Coverage has been as expected. The app works great and we get reimbursed in a timely manner. I have and will continue to recommend!
Insurer: Pets Best
By: Todd Szilagyi