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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Exceptional!
Pet Best has exceeded every possible standard I can image. The online claims process is simple and straightforward. The claims have been handled promptly and the explanation of benefits have been presented in an easily understood fashion. My dog George has suffered through multiple surgeries and serious illnesses. It is a great comfort to know that with Pet Best I do not have to make any compromises in the quality of her care
Pay out on my claim was amazingly quick!
Pay out on my claim was amazingly quick! It took 3-4 days after I submitted my claims, cha ching, claim payment was in my account.
Insurer: Spot
By: Margaret Abbe
During emergencies like this…
It was great except during emergencies like this, the vet exam costs should be covered.
Insurer: Healthy Paws
By: DAVID ATKINS
Massive 62% Premium Increase With No Meaningful Notice — Extremely Disappointing Experience
I’ve been a Nationwide pet insurance customer for years, and what just happened with my latest renewal has completely eroded my trust in this company. My annual premium increased 62% in one cycle — from $495.99 to $780.96 — with no clear advance warning, no plain-language explanation, and absolutely no recourse or escalation process available. When I contacted customer service, I was told the increase was due to “state factors,” “breed factors,” and “territory factors,” but no one could explain why these suddenly justified such a dramatic jump. I was also told that individual policies cannot be reviewed, adjusted, or appealed — not even when the increase is this extreme. Even worse, when I asked about switching to a different plan, they couldn’t tell me which of my dog’s existing conditions would be excluded until after I canceled my current policy and reapplied. In other words, the only way to try to lower my premium is to gamble with my pet’s health coverage. This feels unfair, opaque, and deeply anti-consumer. I’ve now filed complaints with the Texas Department of Insurance, the Better Business Bureau, and the Texas Attorney General. I want other pet owners to be aware of how little protection or transparency they can expect if Nationwide raises their rates without warning. I strongly recommend looking at other providers before choosing Nationwide for pet insurance. I genuinely wish I had.
Insurer: Nationwide
By: Matthew Stogner
So easy to submit and fast payment!
So easy to submit and fast payment!
Insurer: Spot
By: Kate Duffy
Easy Process
We were out of town and your referral to Vetster helped our puppy recover quickly. The prescription was easily transferred to the local CVS. It was so easy to file the claim. Our claim was processed timely.
Insurer: Fetch
By: Pat
Filing claim process easy
Filing claim process easy. Review and approval process time was reasonable.
Insurer: Spot
By: Art Poblete
Claim was resolved quickly &…
Claim was resolved quickly & efficiently.
Insurer: Spot
By: Timothy
I would strongly discourage anyone from…
I would strongly discourage anyone from using MetLife Pet Insurance. I insured my cat Leo with their illness & injury plan in June 2024. A few months later, he was diagnosed with GI lymphoma after an ultrasound, endoscopy, and biopsies. MetLife has denied almost every claim related to his cancer treatment – including advanced diagnostics, chemotherapy, blood transfusions, emergency hospitalizations, and oncology follow-ups – by labeling everything as a “pre-existing condition” because he had occasional vomiting before the policy started. Even after we provided full medical records and filed an appeal, MetLife upheld the denial using a single sentence from a July 2024 vet note and treated all later cancer care as excluded. When we tried to appeal the newer 2025 denials (including thousands of dollars in chemo and emergency care), MetLife refused to even review them, saying we had missed a 90-day deadline. Their own appeal form says we “may request a second review” within 90 days or as reasonably practicable after receiving the denial, but they still shut the door on us. We have paid many thousands of dollars out of pocket while believing we were covered for exactly this kind of catastrophic illness. The way MetLife has handled our case feels misleading, rigid, and deeply unfair – especially to pet owners who buy insurance specifically to protect their animals and families in situations like this.
Insurer: MetLife
By: Colin S
Completely satisfied, above and beyond
I have had pet insurance for about five years now. I never needed it until my dog tore her cruciate ligament. After submitting the appropriate paperwork and getting the operation, I was reimbursed almost immediately to the full value of the insurance. they answered the phone quickly when I called. Their website was user-friendly and easy to navigate. Their reception staff were always courteous and knowledgeable. In short, excellent experience and I cannot recommend enough.
Insurer: Embrace
By: Scott