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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easy and timely reimbursement
easy and timely reimbursement
Insurer: MetLife
By: Philip Smithka
Great Pet insurance
Great Pet insurance. A bit confusing to submit claim forms. All in all great coverage.
Insurer: MetLife
By: Rocky
Very easy to use the app
It is very easy to submit claims and receive payment.
Insurer: MetLife
By: customer
Very Disappointing Experience — Avoid
I purchased Lemonade Pet Insurance for peace of mind and support in case my cat ever needed urgent care. Unfortunately, when my cat, Mercy, recently developed an upper respiratory infection (URI), my claim was denied. Lemonade classified the condition as pre-existing because Mercy had similar symptoms about 10 months ago. Even though upper respiratory infections in cats are typically acute, not chronic, and can occur multiple times in their lifetime (similar to the flu in humans), Lemonade decided that any recurrence within 12 months is not covered. They denied coverage for this common, treatable condition by labeling it “pre-existing.” Their reasoning? Mercy had a URI more than ten months before the policy start date, and they require a full 12 months without any symptoms to consider a condition “cured.” This interpretation makes routine illnesses practically uninsurable. By their logic, if a cat gets a cold once, they can refuse coverage for any similar illness unless 12 months pass with zero related symptoms. That is simply not realistic for pets — and they know it. When I requested clarification, I received generic policy language instead of genuine review or support. The policy clearly prioritizes the company’s benefit over the animal’s wellbeing and the paying customer. I will not be renewing and do not recommend Lemonade Pet Insurance. Be cautious — their definition of “pre-existing condition” is extremely broad and can easily be used to deny legitimate claims for common, unrelated illnesses. Pets deserve better, and so do responsible pet owners.
Insurer: Lemonade
By: Anna
Honestly couldn't be better
This company is the easiest to file claims and the fastest response time EVER. Honestly, it couldn't get any better.
Insurer: MetLife
By: Cynthia Turner
Dawssie
Submitting a claim is fast and easy, and the review time is minimal.
Insurer: MetLife
By: Tracey
Very easy to submit claim
Very easy to submit claim, understand payout and receive funds. Zelle xfer came in right away! Great experience so far.
Insurer: MetLife
By: customer
Very Satisfied Claims Process
Pets Best has been very good processing my claims for my cat. I am very satisfied with the quick responses and payments. Thank you very much!
Veterinarian super, would NEVER recommend Pets Best Insurance for pet owners
We've always enjoyed taking our pets to Mt. McKinley Animal hospital and recommend them to all of our friends. Pets Best pet insurance company doesn't cover any of our visits, emergency services or wellness checks, so we're going to go back to Nationwide Insurance where we feel better served. Once again, Pets Best Insurance does not cover our Pet Medical needs.
Process is easy
Been with Pets Best for 13 years. The process to file claim is very easy. The wait time to receive re-imbursement is very good. My claims have never been turned down. What they say they cover, it is covered.