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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You’re better off putting the money in a savings account
You’re better off putting the money in a savings account. I paid close to $3000 over the last 4 years of coverage. When I tried to make a claim that was only about $50 over the deductible, so with the 80% reimbursement rate I’m only getting $40 back, it was declined because they couldn’t verify that she was healthy for the previous 3 years I’ve had the policy. Due to their “cancellation policy” they couldn’t verify only refund half of the premium I paid yesterday.
Insurer: Fetch
By: Alexander Sindorf
I have a love/hate relationship…
I have a love/hate relationship w/ Nationwide Pet since March 2018. I have insured 8 pets at one time. I work in vet med & rescue animals. Here's the Good, the Bad & the Ugly. Initially, NW only gave pets under 1-yr "Major Medical" plan. Reimbursement is based on medical condition & it's allowable amount. It is substandard coverage, and excludes common sense conditions, like intestinal parasites. Premiums were fair, however. The biggest problem w/ "Major Medical" was it allowed NW to consider EVERYTHING that happened during that first year of coverage on my puppy to be considered a "disqualifying condition" to upgrade to their "Whole Pet" plan, which is the true value. The doctor decided to try a newer medication on our puppy, and it didn't work. It was determined allergies were not his problem. However, NW used that one-time medication "experiment" to disqualify him for an upgrade. So, I had to wait 1 more year to upgrade. I had to prove he had gone 1-year without symptoms of something he was never diagnosed with. I'm glad it happened early, so I knew what kind of company I was dealing with. The "Whole Pet" plan was amazing. I'm so sad they got rid of it (at least in CA), but I imagine they were losing money like crazy. 90% reimbursment on everything, including wellness, no annual/ lifetime/ condition limits, & cheap premiums that rise slowly over the years, regardless of claims submitted. I should have worked for them as much as I promoted their company while working at vet hospitals. ~2020, NW stopped offering unlimited reimbursment (became $10k max). Then, no more 90% reimbursemnt (became 80% max), and then they replaced the Wellness add-on that had the same rules as the "Whole Pet" plan, with a worthless plan that limited reimbursement so much, that you actually paid more in additional premiums than your maximum allowable reimbursment for wellness. Finally, they discontinued the Wellness add-on all together. THIS WAS FOR NEW POLICIES. My existing policies remained unchanged. In 2024, NW suddenly raised all premiums by 50-400%! I couldn't risk canceling, my pets would have pre-existing conditions if I went to another company. My mom canceled her plan, and 2-weeks later her dog became ill. $20k later, and she still lost her dog. All out of pocket. I wasn't about to do that to myself. When that horrible year was over, they slapped me in the face with even more insult after being a loyal customer for 7yrs & I had 8 current policies. They CUT ALL MY POLICIES' COVERAGE TO 50% REIMBURSEMENT, and CUT ALL MY ANNUAL MAXIMUMS TO $3K/$5K!!! Many other categories were restricted with even smaller reimbursment maximums (i.e. behavioral, prescription food, wellness, etc). The worst part was... NEW CUSTOMERS WERE GETTING BETTER POLICIES THAN I HAD!!! They said I could not add coverage to my existing policies. My policies were stripped to the bone after 7-years, and I couldn't do a single thing about it. I was so pissed off, I canceled my 4-year old dog's policy. She had only 2 small claims in 4yrs. The only saving grace was NW significantly lowered their premiums. The lower prices matched the lower coverage. So, I kept the older pets' policies because it's cheap and it's at least some coverage. They discontinued the "Whole Pet" plan and replaced it w/ a "Modular" plan w/ minimal annual limits, but up to 90% reimbursment again. Wellness isn't by %, it's set amounts per item & is better than the one before. This year I canceled 2 more of my pet's policies. They didn't have any medical issues, so I figured it was time to get better coverage elsewhere for the same price. I may be back, however. While their practices have been less than ethical at times, they have been completely transparent about all their policies and coverage. If you do your due diligence as a consumer, nothing should surprise you. I failed to read all the fine print initially. They communicate constantly and have expanded customer service hours. Although I prefer email. Don't use checking account to pay cause they code it to draw from savings, and blame the bank. They pay all claims within 48 hours, and I have only had 1 claim denied in 7-years. It was because I didn't realize they don't cover intestinal parasites for puppies because they don't have "Whole Pet." I can trust them, and I like familiarity. Quick payment seals the deal. They won't suddenly disappear. I'm skeptical of all these companies I've never heard of. Although half are owned by the same parent company. They need better coverage options, and they rarely use common sense. I had a stray w/ no eyeball since a kitten, due to URI infection. They permanently excluded "occular trauma". So, if he scratches his existing eye when 10yrs old, it's not covered? Just beware of that crap. Get insurance B4 new pet comes home!
Insurer: Nationwide
By: Renee T
Great Experience Overall
Great Experience Overall - Smooth and Transparent Claims Process !!
Insurer: MetLife
By: GD
You refunded my money for a wellness…
You refunded my money for a wellness check up in a timely fashion
Insurer: Pumpkin
By: Joyce
You have the best representatives…
You have the best representatives employed. However, your policies and reasons behind them are incredibly disappointing. I personally feel the insurance that is offered and what it covers certainly does not work for the best interest of Pet Parents. Insurance is protection and I believe Trupanion has not worked out for us in time of need.
Insurer: Trupanion
By: Christine
Claims
I always have problems with my claims and you never mention what my problem is. Either I’m missing something or I did something wrong. I only find out what the problem is when I call and question something. The claims department is finally sending me an email even they receive my claim. You make it very difficult to get a refund.
Insurer: MetLife
By: Donna Jack
It’s better than nothing
Entering a claim is very easy and I love the app, but the claims consistently get short changed. Even vet visits where the sole purpose and everything with it is to treat my dog’s epilepsy, they somehow find a way to make a loop hole and label it preventative. It’s not worth fighting either. It’s sad that this is the norm in the insurance world, but it is.
Insurer: MetLife
By: customer
Easy and great customer service
I have had other pet insurance plans and MetLife has had the easiest claims process and reimbursement process. I have also contacted Customer Service and they are very helpful and got my questions answered the first contact. I have suggested MetLife pet insurance to several coworkers. Thank you for making this process easy.
Insurer: MetLife
By: Jessica M
It is so easy to submit claims.....
It is so easy to submit claims with this company. Also I could not believe their quick turn-around time from the day I submitted to the day I received direct payment into my bank account......3 days!!!! MetLife is great!
Insurer: MetLife
By: customer
Great purchase
I wasn't sure if pet insurance would be worth it because I've heard mixed things. I've heard it doesn't cover stuff and is difficult to navigate. I've been relieved that is not the case with MetLife. The plan has covered exactly what I thought it would. It's easy to submit claims via an app and the payments are extremely timely. I will be continuing this coverage in future years.
Insurer: MetLife
By: Katie