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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My claim was canceled due to the claim…
My claim was canceled due to the claim form missing. Takes a lot longer to process compared to Embrace and they don’t need a cover form.
Insurer: MetLife
By: Kennith Kruger
Paid All Year, Every Claim Denied
I’ve been paying about $85 a month for the last 12 months and filed 3 claims. All 3 were denied for what felt like very minor or “technical” reasons. What’s the point of paying for pet insurance if nothing is actually covered? I expected some help with my pet’s bills, not excuses. I’m very disappointed and will be looking for a different company—anyone considering this insurance should read the fine print very carefully.
Insurer: Pets Best
By: Joseph H
The process of my claim review was good…
The process of my claim review was good and reasonable.
Insurer: Fetch
By: Sylvia
Policy was 65.16 but was charges…
Policy was 65.16 but was charges 123.00. Not sure why.
Insurer: Nationwide
By: customer
Good coverage and customer service, slightly confusing process
The timeline of reimbursement and the info on the website as the claim was processed was a bit unclear. Our claim was split into two separate claims and reimbursed separately, so I was a bit unclear on what was happening with the claim. However, email response to my questions was prompt and we were ultimately reimbursed for the full amount we expected, so we were overall satisfied with the experience.
Insurer: MetLife
By: customer
My experience was excellent because my…
My experience was excellent because my claims are paid in a timely manner when all the need info is with the claim.
Insurer: MetLife
By: Regina Johnson
Always have an excellent experience…
Always have an excellent experience with MetLife I would recommend them to family and friends submitting claim is very easily receiving. Payment is excellent contacting them with a question. The employees of MetLife are excellent and very knowledgeable and smart and make the experience very pleasing.
Insurer: MetLife
By: PHILIP MENDOLA JR
Everything runs smoothly
Everything runs smoothly. The website could be improved and claim process could be improved, more organized, no only submitting receipts and SOAP notes.
Insurer: MetLife
By: Ricardo Picozzi
Don't get spot pet insurance scam alert
Don't get spot pet insurance. This insurance company never approve any claim even it is valid and not pre existing. YOU ARE WASTING YOUR MONEY IN THIS COMPANY. IF YOU DONT BELIEVE ME CHECK THE CONSUMERS REPORT. THIS COMPANY SCAMS THEIR CUSTOMERS.DONT ADD YOURSELF TO THE PEOPLE THEY HAVE VICTIMIZED.
Insurer: Spot
By: Arnold Adriano
Significant positive experience
HPaws has been a tremendous support to us. We adopted a rescued street dog who appeared to be in good health, with no issues. However, as he aged, he developed numerous issues with his kidneys, teeth, and more. Fast forward to a broken toe, GI infection, and cancer diagnosis and we were looking at significant vet bills. HPaws really stood beside us as we moved thru life with him. They accepted our documentation, quickly processed claims, and made the difference between affordable health care for our boy and a significant financial impact to us. Yes, our premiums went up. But that was understandable, given his situation. Bottom line: We can't say enough good things abt our experience. Insurance thru HPaws was one of the best decisions we made.
Insurer: Healthy Paws
By: Donna D