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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Too many restrictions, not transparent about deductible
The company did not disclose the deductible in the initial plan information and automatically renewed my pet without my consent. They also disallowed a condition that was under review but had not been finally confirmed (as pre-existing) and didn't cover enough vaccines and wellness services.
Insurer: Pumpkin
By: Rebecca
Not a great experience
Not a great experience. 5 yr old gsp female. Very healthy only been to the vet for annuals. Had a small spot on head losing hair, took her in after watching it couple weeks. No mites or mange just prescribed topical ointment. Cost was reasonable $189. Submitted claim to Spot. Ended up just canceling the ins immediately. Spot was horrible, csr very nice on phone but a simple claim (and we weren't expecting much for it) was 2 calls to spot, 2 calls to our vet and a third call to spot to just say. This is enough. A very real inquisition that required 2 full yrs of vet records, provided twice. Imagine a bigger vet bill🙄
Insurer: Spot
By: Jeff Zalabak
I joined Spot insurance last year
I joined Spot insurance last year. prior to that I had one which was costing me so much and the rate went up each year that my dog got older . I did some research and decided to get the accident insurance with gold benefits so it would help pay for some of the routine vaccinations and checkups . They were quick to reimburse me (within about 3 days). I recommend this type of your dog is basically healthy but you just want something for “just in case” of an accident. it gives me peace of mind.
Insurer: Spot
By: Angie
Trupanion is so easy to work with
Trupanion is so easy to work with, and they always reimburse us for their portion of the bill extremely quickly!
Insurer: Trupanion
By: Mica
New to Pet Insurance
I haven't had pet insurance before so this is my first experience with PETS BEST for my new dog and I have been very happy with coverage assistance on pet bills and customer service.
Insurer: Pets Best
By: Mary Frey
Easy and Convenient
They handled all of the paperwork, gave me an estimated out of pocket cost, and finalized the paperwork in the end. I focused on my pet.
Insurer: Trupanion
By: Pamela
Their Name Fits
Pets Best is everything they claim. They were there for me when I lost my sweet Max, provided funds for taking care of him. And they are doing it again for my new kids, Callie & Carter. Easy to submit claim, quick to respond, cover exactly what they claimed. Highly recommend. No one should not have pet insurance. It's so much easier than human insurance. Easy to understand & back it up with what they promise. It is something we never want to use but there if you need too.
Horrible company - total scam
I have had 2 claims - for 2 different dogs - both have been denied. What is the point in having insurance when they don't cover anything. For ridiculous reasons. TOTAL SCAM
Insurer: Fetch Canada
By: Cyndi
Pets Best - Excellent service during worst case ER visit.
We had a very sudden issue with our cat Sylvia who we took to the ER. Her condition worsened and the hospital bills were climbing but I knew we had Pets Best insurance to help with some of those costs. Insurance companies typically get a bad rep, usually for justified reasons, so we were worried the claim would be denied for some absurd reason. Unfortunately , Sylvia's condition worsened and we made the tough call to euthanize her. The costs were high and it would have put us in a tight spot without insurance. After submitting my claim and not receiving a response for some time, Pets Best customer service did something I haven't seen from any other company. They sent an email apologizing for the delay and that they were working on the claim. After another week or so, I received a detailed breakdown of each cost, how much was or was not covered, and explanations for anything not covered and where to reference my policy for why those costs were not covered. There was an additional email expressing their sympathy and stating Sylvia's insurance plan was automatically discontinued, which was very much another burden removed. Shortly after I received the deposit in my account. I couldn't be more pleased with the Pets Best experience, communication, and level of detail. They made a very difficult time much more manageable and that speaks volumes to the service they provide.
Poor response time, claim rejected even though similar claim was approved before.
After a length wait and talk on the phone to discuss why our second claim was rejected, they told us our original claim should never have been approved in the first place because it should not have been deemed 'an accident'. I had originally e-mailed them to clarify (no response after three days) and had to call them and spend close to hour on the phone to get this response! Awful experience.
Insurer: Pets Plus Us
By: Raphael