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 to use and submit claim
Easy to use and submit claim. Quick replies during the whole process.
Insurer: Pumpkin
By: Beth
The easy process to submit invoices
The easy process to submit invoices, and quick payment.
Insurer: MetLife
By: Fred Walerski
This company has gone downhill
I've had this insurance for over 4 years and in years prior had no issues with them. In the past year it's all gone downhill. When I submit a claim, they keep coming back saying I haven't provided enough documentation or they are suddenly missing my pets vet history, even though I've been using them for years. It wouldn't be possible for me to have filed prior claims without them having that. For the last few weeks I've been having another issue filing claims with them. They keep telling me documentation is blurry, however I'm sending them pdf downloads straight from chewy or screenshots from my pc. There is no way that it can be blurry. Ill send them a new one and suddenly they need more information because now something new and irrelevant is "missing" even though it's on one of the other invoices ive just provided them with. Its gotten so ridiculous. Its like no one looks at the notes or what documentation has already been provided. I keep having to call, someone tells me they have everything they need and then suddenly I get an email yet again saying they are missing information. What a scam. Worst part is you can't just swap to another pet insurance because now your pet has pre-existing conditions.
Insurer: Healthy Paws
By: Roxanna R
Quick
Quick, easy and simple. Just login to the app, click new claim, upload pictures of documents and submit!
Insurer: MetLife
By: customer
Their review of claims is prompt and…
Their review of claims is prompt and when additional information is required they are available to review what is needed and why.
Insurer: MetLife
By: Alisa Laskowski
The turn around for my claims were fast…
The turn around for my claims were fast and efficient
Insurer: MetLife
By: customer
Spot Insurance is a great company to…
Spot Insurance is a great company to work with , very easy claim process . Will recommend to my family and friends .. I have been extremely happy with this provider
Insurer: Spot
By: Sherri Reily
This company is the best
This company is the best. Wait times on calls are at a minimum. Claims are turned around and resolved promptly. Honestly? I wish my health insurance was this complete!
Insurer: Fetch
By: Shelley Fryer
Not quite "real time" in the portal
You have fast refunds however the system is about 2 steps behind what is actually completed so I am constantly going back in and checking things out of concern that maybe a step was missed.
Insurer: MetLife
By: customer
After my claim was denied
After my claim was denied, I tried to cancel the policy and a representative talked me out of canceling and said he would re-open the claim which merely needed a more readable documents from the veterinarian. He said he would request the document himself. Two weeks later, no update. Another representative said further documentation was needed and that she would call the vet to get it. Two weeks, no update. Tried to cancel again and they kept giving me the same bull. Meanwhile another month’s premium was paid. I tried to cancel again. She tried to transfer me to a representative who “handles” cancellations. I waited over ten minutes and was told someone would call me back within 24 to 48 hours. I raised hell. She connected me immediately to the “handler,” who tried to talk me out of cancelling again. I put my foot down after months of $70 premiums for two cats and a huge chunk of wasted time with these guys.
Insurer: Spot
By: Consumer