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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MetLife Rocks!!
MetLife pet insurance has been great from the beginning. Information for obtaining a quote, customer service and claims submission and processing is very easy. Customer support has always been able to answer any questions we have along the way. Policies are extensive and provide all the coverage we need for our three fur kids.
Insurer: MetLife
By: Sean M
Submission Process and Reimbursement super quick!
Your process for reimbursement is so simple and FAST!!
Insurer: MetLife
By: Catherine S
Having MetLife for Daichi’s emergency
Having MetLife for Daichi’s pet insurance has been such a relief. The whole process is super convenient—just submit the required documents, and they handle everything quickly. Our reimbursement came fast, with no hassle at all. Emergencies happen when you least expect them, and knowing we have MetLife gives us peace of mind that Daichi is always protected. Truly grateful for how smooth and secure the whole experience has been.
Insurer: MetLife
By: K.D
MetLife cares about your pets
Easy to submit our claims and get paid relatively fast! They never make it a hassle when we submit a claim, they just care about your animals getting taken care of!
Insurer: MetLife
By: Abby
PetsBest is really Petsworst, take the time to read
I used Trupanion for 14 years but the quote I got for my new pup was sadly unaffordable. I ended up with Petsbest because the policy they offered was comparable unfotunately, their service/practices aren’t even close. Our 1st vet visit was for some minor eye irritation and it took well over a month to get reimbursed. In comparison, Trupanion never took over 2-3 days. Two months ago, my pup injured his leg while playing. The bill for that was over 700.00 which I paid for with a credit card and the next day I submitted the claim. Once again it took so long to get reimbursed that if I hadn’t had the funds to pay the card off, I would have incurred interest charges on it. Most people don’t have the funds to pay their cards off. In those cases, the cost to have PetsBest includes interest charges. When I asked the vet about which insurance providers they see used the most, I told them I had Petsbest and they said they see a variety of providers but Petsbest is the only one who calls them constantly to argue every charge. That is not an acceptable practice. It’s draining on the staff and reminded me of the issues our own healthcare providers are facing with insurance providers. I’m in healthcare, I see it every day. Lastly, I got the renewal notice 6 weeks in advance and the premium was going to increase by 25%. I didn’t even finish the year with them, before the start of the final month, I found another insurance with better coverage for the same original price and switched. i cannot recommend PetsBest because their turn around time for reimbursement is unreasable and can ultimmately even cost you money, they second guess the vets treatment plans & bills they’ve agreed to pay and their rate increases are too high.
Insurer: Pets Best
By: Lukki Irish
Claims
Submitting claims is easy via online and acknowledge quickly. It always notified us if there's any delays on my claim and it explains the details on the decision on each claims. Highly recommended.
Pets best covers very little
Pets best covers very little, and hides behind a complex process. Even when paying for all the extras. Every visit you want pets best to pay for will require you to submit your receipts for review. Reimbursement only. On these receipts the will pick apart every line. I pay for every add on, and the highest priced plan. Still, even during years when I have a major emergency pets best underperforms. Spay, covered under 1/4, emergency toe removal, covered under half, regular care nails, checkups, anal glands, “cosmetic” and not covered. Vaccines, not covered. Even with the vaccine add on. Whether you depend on this insurance for emergency, or regular care you will be let down.
Insurer: Pets Best
By: Jared Warn
Regret Switching to Embrace Pet Insurance
I am a 20‑year USAA member and chose Embrace only because it was backed by USAA. That trust was misplaced. My experience has been nothing but frustration and obstruction. My 7‑month‑old puppy broke her leg and required surgery. When I submitted the claim, Embrace denied it, citing a hidden “orthopedic form” requirement I had never been told about. How could anyone anticipate their puppy breaking a leg? That’s the whole point of insurance. Now I’m left with a $7,400 bill and no coverage. On top of that, my claim for medication has been rejected multiple times. First they said the invoice was “not legible,” then later claimed it was missing my dog’s name. I resubmitted four times before getting this explanation. I pay $350 a month and have had only one claim approved. The hoops Embrace makes customers jump through are unreasonable and feel designed to avoid paying legitimate claims. I regret switching from Nationwide to Embrace, even with the so‑called USAA discount. This company has been a complete disappointment, and I will be reporting these practices to USAA. Disgusted and regretful customer.
Insurer: Embrace
By: Mary
So far been pleased with the results of…
So far been pleased with the results of the insurance refunds. Wish the refunds came a little quicker than 2 weeks but still easy process to submit claims
Insurer: Fetch
By: Patricia
RIP Healthy Paws - I miss what you once were!
I hzve had 4 dogs insured with Healthy Paws going back to 2011 - just a couple of years after they began business. Up until this past year there was no doubt as to their being an incredible 5 star company that was truly pet asd people centric, Enter Chubb who was doing some of their underwriting but bought them out and is now the owner. The company is already suffering greatly azd I can no longer recommend them. First as others have written I believe they are selectively targeting policies they want to dump by egregious rate increases. My dog's renewal came a few days ago. The real difference in her is her age it went from 7 to 8 - still young, but the rate increase was over 70% to $270 per month for 90% coverage and $500 deductible. In the past if you want to lower your premium, you wre offered multiple possibilities in the deductible and coverage level. I was offered one aLternatrive if I didn;'t want the new premium..... I was offered 60% coverage and a $1000 deductible. No other options. I understand the cost of veterinazry medicine is going up fast and I live in a pricey zip code but even then the cost of veterinary care has risen about 21% over the past 2 or 3 years on average,. 70% increase in my rates is disgusting, It doesnt stop there with economic pressure. My then 7 now 8 year old hazd one of her first actual claims - not even enough to get out of the deductible. Mind you she has been continuously insured since she was 8 weeks old and had proper examinations as a puppy and adult. There was no preexisting condition because she was insured at that age with a clear r4port and no history of claims, A no brainer. They kept demanding records that didnt exist and looking for conditions that werent there or wouldnt have mattered, Anything would be covered, because anything found would hazve been while she was insured with no preexisting anything,. They just wouldn;'t settle the claim. Customer service went from friendly in the old days to possibly outsourcfed (non US) and clearly not pet centric support,. They then made up a reason to deny my simple claimi that did not stand up to an appeall, I prevailed but it was a hassle that never would have happened in the old Healthy Paws, They were great, but now they're gone, apparently.
Insurer: Healthy Paws
By: Jeffrey Goodman