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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Did not cover my dog's rabies vaccine
I purchased Pets Best with the hope that I will get some reimbursement for my dog's maintenance and wellness routine. Turns out that there is a "cap" on how much they cover, and for the last rabies vaccine (yearly wellness vaccine), they did not cover anything. I had to pay full price on wellness. If I'm going to pay full time every time I take my dog to the vet for a check up, AND pay the insurance, I might as well not pay any insurance at all and put the money in a savings account. Think twice before you purchase these kind of scams.
Insurer: Pets Best
By: Paula
It was easy to file my claim through…
It was easy to file my claim through the Fetch app. Responses were quick and clear. The claim was completed and paid within a week!
Insurer: Fetch
By: CARLA LONG
DO NOT get your pet Lemonade Pet Insurance it's a SCAM In My Opinion
DO NOT get your dog or cat Lemonade Pet Insurance. It is cheap for a reason and you truly get what you pay for. I have been with Lemonade since 2019 and have had to fight them repeatedly for payouts over the years. What happened this week with one of my cats was the last straw. I filed a formal complaint with the California Department of Insurance and submitted all of my documentation for review. Lemonade Pet Insurance has started another medical history review for this cat even though they already completed one five months ago and already have his full records. This time they contacted twelve different veterinary offices. Many of these clinics are for my other cats or for my dog who sees multiple specialists. Some clinics are closed. Some have never treated this cat. None of them have any records that relate to this claim. I am now receiving calls from confused veterinarians who are asking why Lemonade Pet Insurance is reaching out to them, and several expressed concern once I explained what was happening. This pattern of delays, unnecessary requests, and improper handling is exactly why I filed a complaint. Pet parents, please research carefully before choosing Lemonade Pet Insurance. They make an already stressful situation even harder.
It was easy to apply
It was easy to apply
Insurer: Nationwide
By: customer Kelly Peralta
It was easy to figure out what was the…
It was easy to figure out what was the best way for our cat and get him future help
Insurer: Nationwide
By: Richard Loewen
MetLife came through for me and my dog…
MetLife came through for me and my dog big time with CCL surgery. I was very skeptical, given the industry, and I did a ton of research. MetLife covered everything they said they would. It has been a completely frictionless process, and pretty fast claim review and immediate payment. Customer service has been fantastic. I can't believe I'm saying this about an insurance company. We'll see if my rate goes up after one year...
Insurer: MetLife
By: customer
Use of submitting claim superb!
Use of submitting claim superb!
Insurer: MetLife
By: customer
Very helpful customer service and user…
Very helpful customer service and user friendly website for submitting claims as well as quick payouts
Insurer: MetLife
By: Sheila Zack-Harrison
They don’t pay claims even though it’s…
They don’t pay claims even though it’s within the policy. They’re the worst. Stay away from them.
Insurer: MetLife
By: customer
Aggressive (!) premium increases when there’s a claim
Embrace was actually great for the first couple years—but wait until you submit an expensive claim. Initially, the premium was high but manageable. Last year, my cat required surgery and Embrace more than doubled my premium this year. My cat has no other medical issues and nothing the surgery didn’t correct, and my premiums now amount to $3400 per year (truly). What’s the likelihood my healthy cat’s bills will amount to more than that every year going forward? Just about nil. Embrace tries to push out customers with claims—or to recoup everything they paid out within a couple years. That’s not how insurance is supposed to work. Healthy pets with no claims are supposed to subsidize my cat’s bills when he’s sick (and vice versa)—insurance payments shouldn’t be a loan where the insurance company tries to get back from me every penny they paid soon thereafter. So disappointing!
Insurer: Embrace
By: Kim