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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Premiums Up, Coverage Down, Service Worse
I had this insurance for 11 years, covering two dogs. For most of that time they were an excellent company with strong coverage, prompt claim responses, and reliable customer service. I recommended them to many new pet owners over the years. Unfortunately, over the past couple months, their service has deteriorated significantly, and I can no longer recommend them. When my policy renewed in February, they simultaneously increased the premiums, raised the deductible, and reduced the reimbursement rate. Premium increases are expected over time, but changing the core terms of a long-standing policy is extremely disappointing. On top of that, most claims now trigger requests for additional documentation, despite the fact that I have been submitting the same type of records without issue for the past 11 years. The claims process has clearly become far more difficult and burdensome. My final claim was for my dog’s euthanasia. After receiving the claim, they cancelled the policy and then requested additional information. This is after numerous previous claims related to her cancer diagnosis and treatment. They did not request additional documentation 5 months ago when my other dog was euthanized and I submitted the same documentation. Losing my last companion has been incredibly devastating. However, after this experience, ending my relationship with this company is the one small relief in an otherwise heartbreaking time.
Insurer: Healthy Paws
By: Shelly Ramirez
Very quick and excellent service
Very quick and excellent service. I received my refund without any questions. The site is very easy to use.
Insurer: Spot
By: Sarah Graves
They reviewed my claim quickly
They reviewed my claim quickly
Insurer: MetLife
By: customer
Review
I've been a "member" since Pet First. I recommend Met Life pet insurance to my friends. I do find the claims process to be a little cumbersome, SOAP notes, etc.
Insurer: MetLife
By: Lewis Wymisner
I HIGHly recommend Spot insurance
I HIGHly recommend Spot insurance. Quick and EASY claim submissions and NO hassle reimbursements sent right to my bank.
Insurer: Spot
By: Wendy Norman
We have had Healthy Paws for almost 8…
We have had Healthy Paws for almost 8 years. I don’t know what we would’ve done without them. Our lab has bad elbows and has had multiple procedures/surgeries and is on many medications. Healthy Paws always paid in a timely fashion and never argued against any of our claims. They are literally lifesavers!
Insurer: Healthy Paws
By: Dorianne Jackson
Quick turnaround on claims payment
Quick turnaround on claims payment. Excellent customer service help from Carol Lee.
Insurer: MetLife
By: Paula Wallack
They have been slow processing claims…and then some.
They have been slow processing claims and then come up with excuses not to apply towards the deductible. I recommend setting aside whatever their premium is and keeping it in a savings account to use eventually for vet bills. This company is all about taking your money and figuring out how not to honor their commitment.
Insurer: MetLife
By: Tom
My pet gets monthly Librela injections…
My pet gets monthly Librela injections for arthritis. It is simple to upload the claim related materials and decisions are made within a couple of days.
Insurer: MetLife
By: customer