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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Very Disappointed with the Transition to Hartville
I carried pet insurance for my last seven dogs through 24PetWatch and was always satisfied with the coverage and service. Unfortunately, when they discontinued their insurance program and transferred my policy to Hartville, my experience changed significantly. Since the transition, my premiums have increased while my coverage appears to have decreased. Items that were previously covered — such as supplements and prescription diet food — are no longer being reimbursed. In addition, customer service has not been helpful, which has added to my frustration. With one senior dog and another managing seizures, changing providers isn’t a simple option for me. I truly expected a smoother transition and comparable coverage. I hope Hartville will take steps to improve both their coverage consistency and customer support for long-time policyholders.
Dishonest and Frustrating — Avoid SPOT
We have been loyal SPOT clients for years, paying our premiums on time, but never submitting a claim. This year, when our dog was diagnosed with cancer, the truth became clear: their claims process is deceptive and unreliable. For every claim, I had to submit multiple rounds of documents they claimed not to receive. Only when demanding a supervisor did the documents “appear,” yet claims are still delayed or mishandled. SPOT constantly looks for excuses to deny claims. If this continues, I will file a formal complaint. I strongly warn anyone considering SPOT: their promises are empty, and they cannot be trusted.
Insurer: Spot
By: OLGA
Our dog is very ill with cancer
Our dog is very ill with cancer, and has had many tests, and medications. I have been very pleased that Healthy Paws has reviewed our claims usually on day one and completed them on the same day or the next. Service is very fast and it is very easy to file a claim online.
Insurer: Healthy Paws
By: Diana Maberry
Thanks, PetsBest!
"My poor dog has had a really rough year, a lot of medical emergencies. Without PetsBest the situation would have been financially devastating for me and my family. PetsBest has the easiest insurance process I've ever experienced and reimbursements came quick."
Overpriced and over rated
Paid for 2 months at $100+ each month for them to take their time getting records and reviewing them only to tell me they wouldn’t cover future joint issues because my dog had a torn toenail in the past causing him to limp. I could appeal and have the vet to call to explain while I continued to pay the monthly fee waiting on their decision. I do not recommend this company at all for anything, they are only after your money!
Insurer: Trupanion
By: Renae
Simply the best pet insurance!
The coverage for your pet’s medical bills with this insurance is hard to beat. Tho is the best one out there and makes me feel relieved when I submit a claim because I know I will get most of my money back and at the same time I’m able to confidently provide the quality care for my dog that she needs!
Great Coverage
Pets Best handled my claim effectively. Glad to have my dog covered!
Insurer: Pets Best
By: Isa
Complete scam
Complete scam. My dog (incredibly young, btw) came from the shelter with (likely preventative) treatment, now almost a year later this apparently is a "pre-existing" condition even though the tests he just received, had literally nothing to do with this temporary illness he may have had months and months ago. His first ever vet visit cleared him as a "perfectly healthy dog." Now, this will be an exclusion for ANOTHER YEAR even though again, none of these issues are even related to each other (also the recent test that excludes him from future coverage, and we paid for 100% out of pocket apparently, was literally diagnosed as NOTHING, at most anxiety or over excitement). Not to mention, their website & app is INCREDIBLY glitchy. Half the time I can't even get into my portal, and there's a 50/50 chance when I login it will say they are having a technical issue of some kind. It also takes weeks to get a response from customer service unless you send multiple follow-ups. The processing time they advertise is not at all accurate. 100% regret throwing any money at this company. Edited to add - wow! It may take days and multiple follow ups to get a response as to why your claim has been ignored for weeks, but when you post a public review, they really do respond quickly!
Insurer: Embrace
By: AK
I wasted over $2000 with this company…
I wasted over $2000 with this company paying my insurance every month and then I finally file a claim and they deny it for some bs reason I regret not using Trupanion I am canceling this company what a joke I am positive that the good reviews are fake from their own company
Insurer: Prudent Pet
By: Lisa Mendelsohn