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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Ask about limit increase fine print before you decide.
The reimbursement was quick. The only problem I have with this insurance is, even if I have been paying monthly after hitting my limit, I am not able to increase my limit on the illness that has been covered. With advancements in medicine/treatments and inflation that original limit will not be sufficient. I would have looked at other insurances if this was explained.
Insurer: MetLife
By: Beth Siminski
Claim experience was simple and fast
Claim experience was simple and fast. No complaints.
Insurer: MetLife
By: customer
Please save your money and time and frustration
Please save your money and time. This is the worst company to try to work with. I had a cattle dog with a belly ache. Took him to the vet naturally, and submitted a claim. Embrace said this was a pre-existing condition when in fact, with proof this is the first time. Honestly, they just want your money. They took three months to deny the claim and in the meantime they collected 3 months of premiums When I went to cancel they said they would at the end of the billing cycle. I said NO, now and naturally they had to refund the remaining of the month which they didn't want to do. If you like to get scammed and pay for insurance they will just deny you go ahead. We are USAA members and were suppose to get good service because of that. UGH, stay away.
Insurer: Embrace
By: Deb Stephenson Deb
Fast reliable pet insurance
Fast reliable pet insurance. Got reimbursed within one day.
Insurer: MetLife
By: Sj
Once you know how to submit
Once you know how to submit, which is easy, you make this process so easy!!!
Insurer: Pumpkin
By: Robin
Very very easy.
Signing up and choosing a plan was so easy and even having to put in a claim as well. Although having an app would make it even easier.
Insurer: Pumpkin
By: am
The Claims Process is a Nightmare
I chose to add the wellness plan and that was a mistake. They instantly denied anything wellness. After filing twice, calling twice and them admitting it should have been paid twice, I was as told I had to file an appeal that can take 60 days. When I asked why I should be doing so much work just to get what I paid for they said it’s just the way the system works. I cancelled the plan and filed the appeal. I got the claim several weeks later. I’m glad I switched before I really needed the support. The last thing I need is dealing with this nonsense when my dog’s actually sick.
Pets Best is actually the best
I now have all of my pets covered through Pets Best. The online filing system is incredibly easy & user friendly. If they are experiencing high demand, they communicate delays via email. Once a claim is approved, payment is typically deposited into my account within a week. My German Shepherd went through emergency surgery and 18 months of chemotherapy & Pets Best always came through with reimbursement without increasing his coverage amount by an insane amount. And let me tell you, we easily had at least $20k in vet expenses. When he passed, I filed a claim for euthanasia. Not only did they cover that expense, they sent an email apologizing for our loss and auto-closed his policy and even reimbursed us for the coverage we had pre-paid for. I am so thankful for their layer of support & will continue to recommend them for coverage!
Insurer: Pets Best
By: Morgan
Very easy to file claims
Very easy to file claims. And they are complete completed and a reasonable amount of time.
Insurer: Spot
By: sharon seifert
Great Experience
Our kitty Henry became quite ill and Pumpkin covered a large part of the cost. The claims process was swift and communication was excellent.
Insurer: Pumpkin
By: Carol