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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Terrible service by an even wort compnay
I’ve never dealt with a company that hides behind confusing, over-engineered wording the way this pet insurance provider does. Every claim feels like a homework assignment — pages of “legal-sounding” policy language that only they seem to understand, and somehow every sentence ends up meaning “not covered.” I signed up expecting clear support for my pet. Instead, it feels like they’ve designed their policies to be as vague and technical as possible, so they can deny anything they want. Whenever I ask for clarification, I get a copy-and-paste paragraph that explains nothing and contradicts their own previous messages. It’s like they speak a different language. The worst part? The reps sound friendly, but they always redirect you back to the same impossible-to-decipher policy wording. It leaves you feeling tricked — like you’re paying monthly just to be told “no” in 12 paragraphs. If you want transparency, honesty, or even basic clarity, this is not the company for you. Save yourself the frustration and choose an insurer that actually values your time, your money, and your pet’s wellbeing.
Insurer: Pets Plus Us
By: Adam
foreign object ingestion
Pets Best did cover the necessary diagnosis and procedure in full as per our policy. They did take a full month to reimburse us however which was a long time to wait.
Fraud
Currently getting a lawyer because they straight lied to me about a policy. Said a surgery would be completely covered and they only paid a very small portion. I had a worse policy for my other dog, and got her surgery almost completely covered. But this better policy, they won’t cover a very routine surgery. They refuse to let me hear the phone call, without a subpoena. Literal insurance fraud. I have lots of proof of their lies and inconsistency in their information, from multiple agents and managers. I highly recommend you get different insurance. Their claim process is slower than a turtle with 3 legs. Sometimes having to wait close to two months for a reimbursement.. complete garbage.
Insurer: MetLife
By: Jason
We have been using Healthy Paws since Nov 2020
We have been using Healthy Paws since Nov 2020 for Cheddar. For 5 years! Here are my favorite things about this company: - Very clear in their policies - All you have to do is upload your invoice from your vet - They pay you in a few days time - They communicate well - Their staff are very helpful They were recommended to me from my vet, and I am so glad I went with them! We recently had to do a surgery for Cheddar to remove a cyst. I submitted my claim the next day and they reimbursed me 4 business days later! Thanks for taking such great care of my dog!
Insurer: Healthy Paws
By: Suzanne
Great Insurance
Love having pet insurance. Never have had before . And I as so very happy I went with pet insurance this time. My fur baby has used it all up this year. I'm praying we don't have to really use it this next year. We have had a rough year this year.Thank you Met Life you have done a great job taking care of my boy Dennis the Menace
Insurer: MetLife
By: Diane Ringeman
Healthy paws is amazing
Healthy paws is amazing! Its easy to submit a claim and their processing turnaround time is same day. We couldn’t be happier with their service.
Insurer: Healthy Paws
By: customer
MetLife Pet insurance is amazing
MetLife Pet insurance is amazing and I highly recommend them. My Ginny was diagnosed with Indolent T-Cell lymphoma and they have covered diagnosis bills, treatment bills (monthly), and even her prescription food. All claims were easily submitted online and paid very quickly! I would give them 10 stars if I could.!
Insurer: MetLife
By: customer
Thank goodness for Dog insurance with Embrace
My dog was hit by a car and Embrace were very helpful when I called them about this. I submitted all the paper work and received payment within a few days. Would recommend them Easy to use system for claims and extremely polite staff.
Insurer: Embrace
By: Leanne
Pre-Existing Condition Provider Missing
As a pet owner when choosing insurance, the owner/buyer should be 1000% clear on everything. There is a pre-existing condition question but coverage is stated to cover pre-existing if the pet had prior coverage. Then on the page prior to checkout, you ask if there was prior coverage with a checkbox but below it has a drop down with prior providers which is limited only to 5 providers. I have Progressive. I want to know my pet is COVERED for pre-existing conditions as the policy states.
Insurer: MetLife
By: Ronald Granite
Efficient
Fast, thorough, and efficient claim process.
Insurer: Embrace
By: Stanley Hosmer