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.
62,907 total
Other Categories
Highly recommened
My dog was diagnosed with a tumor in his small intestine and on his liver. Pets best has given me the emotional help knowing that I van do what I need to in order to get him back on the road to recovery. They have been amazing, extremely helpful when I have needed to reach out, and claims are usually quick. I have recommended them to people I work with. They are great.
Scam operation, do not do business with them
I have been paying their premiums for almost two years, my dog thankfully is in good health. I had a minor emergency that required him to go to the after hours vet hospital, paid my bill and submitted it to get my claim reimbursed. I tried for several days to upload via the app, with no luck, then thru the website, could not upload the claim. Finally they gave an e-mail in which I could upload the claim and they would then proces it. I waited for about 3 weeks, when suddenly an automated e-mail came into my junk files stating that the claim was denied. I now know that they are a scam and not legit. I cancelled my policy with them, opened up a savings account and do monthly deposits into that account to cover vet bills should I need to.
Insurer: Pets Best
By: Alan
Horrible Company
This is my first time having pet insurance and I joined a few months ago. I am already regretting joining. You guys need to work on your response time and actually looking at claim information properly. I sent this email weeks ago after not being able to reach anyone and still no response : “I don’t know if this is your official email or not but I am reaching out to you this way since all of a sudden your chat is unavailable and when I tried to call the Claims department my call was hung up. I just recently became a customer of your business but after dealing with your app and how you do your claims for the past months. My claims keep getting denied for no legitimate reason. The first one (# 10969752) they claimed didn’t have enough information but I uploaded all documentation about that appointment, and then even though your own chat agent Edna looked at it and sent it for review because it didn’t make sense you guys have the nerve to send me a incomplete claims notice. And then the second one (# 11157795) they are saying isn’t even covered because my policy does not cover taxes.There is no way you actually think over $200 in taxes were paid especially when there is a document attached with the breakdown of the 214. This is absolutely insane and clearly I need to get a new pet insurance. As I said in the chat previously there would be no breakdown of the services I paid for which were the Simparicatrio and the bordetella vaccine. Which might I add or covered by my policy. The charge on the receipt literally says non tax. Please stop pushing off my claim without actually looking at it, it’s exhausting. The way you guys are operating is unsettling and if my claims are not able to get a proper resolution instead of a mediocre review then I need a refund for last months payment of the so called insurance and my account closed so that I can find a different pet insurance company. I see no reason for me to pay for services you do not want to provide.“ I will keep reaching out to get my account canceled and a refund for this scam. Ever since I chatted with an agent whenever I go back into the chat no matter what option I choose it automatically says that chat is unavailable and when i call to get to claims i get hung up on. Insanity.
Insurer: Pets Best
By: Casey
Unneeded exams
You want me to pay for an unneeded exam within the last 6 months when he only needs an annual exam. That is a waste of my money and the vets time. I guess I will not be getting any pet insurance for my boy until his annual exam is due. I will not recommend this company to anybody.
Insurer: Nationwide
By: Alpine Outfitters
Great and affordable pet Insurance/wellness plans
I am so glad that after searching for the perfect health insurance for almost a year, I came across Prudent Pet and I am very happy with their pricing, their plans, as well as their customer service. As soon as I file a claim, they are responding back with additional information and making this claim process as smooth as possible!
Insurer: Prudent Pet
By: Katherine
I have this policy for my two dogs…
I have this policy for my two dogs since they were puppies for four years. One dog named Finn had a hole in his face in his cheek and we were trying to treat it with antibiotics for over a year finally in September 2025 he had to have surgery because he had an abscess that was from a tooth And two teeth had to be removed and he was given antibiotics and a few other medicines to clear the hole in his face. When I submitted the claim, they said it wasn't covered because it's routine dental work cleaning the teeth. No he didn't have routine dental work. He had a hole in his face from an abscess and the bill was $386.70 and they refused to pay it. I even went back a second time to the vet to have him send the notes besides an itemized bill saying that it was an abscess and what had to be done. They close the case and said it was cosmetic or wellness. No it wasn't so after two months fighting with them back-and-forth. I called again on December 17 and said that I wanted to cancel the policy because they did not pay a $300 claim when I already paid over $5000 in premiums. The man on the phone said that he would have the adjuster whose name was Reagan reach back out to the vet and talk to them and try to get the claim covered. Well, now it's January 7 And nothing was done so today I called and canceled the insurance. I wouldn't recommend them to anybody.
Insurer: Embrace
By: Linda LaRosa Silva
Overview
The process to submit a claim is very easy. What I don’t like is the way MetLife has two pets under the same policy number. This can get confusing when payments are made when multiple claims are submitted on the same day. Also for wellness meds there are no doctors notes to submit when you get your pet’s prescription refilled. Just got two claims kicked back because there wasn’t any doctors notes.
Insurer: MetLife
By: customer
Trupanion Saved My Kitten’s Life
My kitten suddenly developed a urinary tract blockage that became a serious issue that needed a specialist in urinary tract surgery to try to save him. Trupanion covered all they promised to, which was quite a lot. Their reps were there 24/7 reviewing and approving all of the expenses as they get occurred. All of the doctors and emergency centers direct billed Trupanion. And a sweet rep, Becky, even sat on the phone with me in the middle of the night when I thought we’d have to let my kitten die because we couldn’t afford to treat him. Trupanion is wonderful and we highly recommend any pet owner to get Trupanion insurance. I told my children and all of my family members that it was the best thing they could do for their pets. Thank you Trupanion!!!!
Insurer: Trupanion
By: Ann
Metlife was great to have with Harper…
Metlife was great to have with Harper my baby that passed away so we want our new puppies to have the same great coverage.
Insurer: MetLife
By: Kelly everette
Very easy to file claims with online…
Very easy to file claims with online tool. My young tom cat almost died and needed surgery, now recovering but will need medications ongoing. Fetch has covered all so far with many thanks. I'd recommend Fetch and will to anyone considering insurance coverage. The you-file process gives the holder more direct control of the claims process, much better system than having your vet do it.
Insurer: Fetch Canada
By: frank burns