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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Trupanion claim that they requested my…
Trupanion claim that they requested my dog records without my consent from my dog vet . I call my veterinarian office and speaking with the manager on 3/05/ 2026. No one not even my veterinarian office is to give out any records with our my consent or signature PERIOD! TRUPANION!!!!!!!!
Insurer: Trupanion
By: ERIKA S WYNN
MetLife 10 stars!!!
MetLife is by far is the best out there for pet insurance. The process for claims is easy and the customer service is unmatched. They have heart and compassion and that’s what is important when you’re selecting insurance for your whole heart 🐱
Insurer: MetLife
By: Marie Dee
Avoid Pets Best
My claim was denied for a pre existing condition completely unrelated to the claim. Customer service is terrible and I spent hours on hold on to be told about a lengthy appeal process. I canceled the policy, never received my refund and spent hours on hold again chasing it down. Horrible company.
Insurer: Pets Best
By: Colin
We were advised that we would get 100%…
We were advised that we would get 100% reimbursement back. Almost every time we called, we felt rushed off the phone.
Insurer: MetLife
By: customer
Easy claims
All I do is take a photo of my receipt attach to my communication and a few weeks later, I receive a check after I have reached my deductible.
Rate increase 10% annually?
I submitted a claim for wellness exam and immunizations a few weeks before my policy was set to expire, then my renewal came and my rate went up almost 10%. I doubt it was coincidental and can't imagine what percentage increase it would have been had I submitted a claim for illnesses or injuries.
Insurer: Spot
By: Melissa
Healthy Paws Insurance
I have 3 dogs and they are all covered by Healthy Paws Pet Insurance. I am very happy with this company. All three of them are Frenchies and one of my dogs is sickly. I think he has 90 claims. Healthy Paws handles the claims very quickly. They never denied any claims over the past 10 years. The reimbursement is directly deposited into my bank within a few days. They really care about my animals. Having this insurance has definitely made a difference in what I have been able to provide for my dogs. I strongly recommend this insurance!
Insurer: Healthy Paws
By: Pamela schreiber
The company came through in a timely…
The company came through in a timely fashion although documentation had to be resubmitted. But they were compassionate during a hard time.
Insurer: Spot
By: David
I think they have no money
I think they have no money. It’s been 7 working days and they are still reviewing
Insurer: Embrace
By: Jose Muinos
If you are considering Spot Pet…
If you are considering Spot Pet Insurance, save yourself the money and the stress and look elsewhere. They have repeatedly refused to reimburse anything related to my dog’s skin infection, despite the veterinarian clearly documenting that the infection had nothing to do with allergies. It does not matter what the medical notes say. Spot defaults to the same lazy conclusion every single time. If it involves skin or if my dog is sick, they label it allergy related and deny the claim. What makes this worse is the process. Every interaction turns into an appeal. I submit full records up front. Detailed vet notes. Diagnoses. Treatment plans. Everything they could possibly need. They still deny it. Then I have to call. Then I have to email. Then I have to resend the same documents again. Then I wait 30 to 60 days for a response, only to be told some variation of the same thing. Phone support is frustrating and circular. You explain the situation clearly. They acknowledge it. Nothing changes. The burden is always pushed back onto you, even when their own criteria have already been met. It feels like the system is designed to wear you down until you stop trying. If your pet ever has a skin issue, an infection, or anything remotely adjacent to allergies, do not expect coverage. Even when a licensed veterinarian explicitly states it is not allergy related, Spot will still twist it into one. I regret choosing this company. I regret the time I have wasted fighting for reimbursements that should have been straightforward. This has been one of the most exhausting and one sided customer experiences I have dealt with, period. AVOID THEM
Insurer: Spot
By: MATTHEW