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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Super easy claims process
Super easy claims process. My policy has already paid for itself
Insurer: Pumpkin
By: Rafa Torres
Pets Best is The Best
"Your excellent customer service and expedient claims process is a built-in incentive to invest in my pets' health, knowing that a portion of the cost will be reimbursed. As you know, pet care can be expensive, but your insurance allowances encourages me to take the proactive steps that benefit the health of my fur-babies. Thank you so much for your support!"
Thank goodness for pets best insurance
My dog acted lethargic this summer. I was very concerned, got some test. We’re still confused about what to do turned out. It was cancer. We were able to get care early and thank God for Insurance so we could afford it.
Insurer: Pets Best
By: Susan
Do not use this company. Find ways to not pay valid claims.
I had filed a claim for the extraction of 4 teeth for my dog. I have the dental coverage add on and it says it covers extractions. They said they would not cover it because it was preexisting even though the vet did not find this until a teeth cleaning. Also terrible claim process.
Please read and beware if your pet truly gets sick!
I am contacting my lawyer to sue these awful thieves as well as TV news media to expose their dirty scheme. Please read if you are considering purchasing this insurance because if you do, you will be as livid and frustrated as I am. If I could give zero stars I would. I purchased this insurance 8 years ago with the level 2 accident and new illness plan for my Chihuahua. We started the plan when my dog was 9. At age 16, my dog developed pulmonary hypertension. We found this out through testing, and then follow up treatments involving echocardiograms and also hospital stays as the illness progressed. I submitted claims for all of the above, and they were all rejected because apparently there is a small hidden clause in the policy that says that chihuahuas are genetically predisposed to get mitral valve from birth, and mitral valve causes pulmonary hypertension, so basically, if your dog truly gets sick, even when they never had a sick day in their life, blame it on the breed, so they have an excuse to not pay out! We found this out the hard way as we spent close to $10,000 helping our dog. I would never regret spending the money to help the dog but I regret investing in this fraudulent insurance that has deceptive ways of getting around paying what they should be obligated to pay. I spoke to a rude supervisor named Katie who said she was the highest point of contact and to read the policy. I did read the policy and it still doesn’t clearly state that my dog isn’t covered by this insurance. She was immovable and reluctant to do anything to help me except to repeat the mantra “read the policy” which conveniently says to go on the website and look at exclusions for certain breeds. In other words, all breeds are genetically predisposed to something, and when you read the fine print, we won’t cover any breed for anything major. I do know that there are definitely points of contact above Katie, the names of the CEO and many others above Katie are listed in the policy and will also be listed in my lawsuit. Well, 1- see you in court because I will not let up. 2- a very close friend of mine works for ABC TV news for the department that helps consumers and exposes fraud, so don’t be surprised when they show up at your offices to expose you nationally. If you get lucky and none of the above works for me, just know that I will use every resource known to man and flood all of social media so that everyone is aware why they shouldn’t buy your policy. I may never get my $10,000 in claims back but I guarantee you that you will lose a lot more than $10,000 of business when I get through making people aware of what you do! The only good experience I had was with the representative who cancelled my policy!
Insurer: ASPCA
By: C.J.
Process is user friendly and painless.
The process to submit a claim is extremely easy and the follow-up is very timely. A big win from my perspective.
Insurer: MetLife
By: Larry P
Worst Company to deal with - go elsewhere
We have been customers for over 7 years, and until about 5-6 months ago, we were happy with the company. It is my understanding they were recently bought out, and holy cow - night and day difference. The EXACT same claims that have been covered for over six years are now consistently being denied, with a different explanation for each denial - same documentation provided. My daughter, who I previously recommended to get Pets Best, has had to drop her policy for the exact same reason. Her dog was attacked by another dog, requiring emergency surgery. The claim was for SIGNIFICANTLY more than the $75 or so they finally were reimbursed for. Expect to wait 45 minutes to over an hour, or not at all if you try to call customer service. I am attempting to file complaints with any and all insurance regulatory commissions, but there appears to be very little regulatory oversight in pet insurance, which is a big concern given the great increase of these policies.
Insurer: Pets Best
By: B
Great insurance simply the best
Super easy and very quick payment Simple fill out form submit your receipt that’s it no hassles makes my life easier
Insurer: Spot
By: Fernando Breijo
MetLife Pet Insurance is Awesome
We had MetLife Pet Insurance for about two years and were extremely happy with them. Tragically, our dog got loose and was hit by a car just two days after our policy went into effect, and MetLife paid the claim without hesitation. From our first claim to our last, payments were fast and customer service was always helpful and responsive. Over the time we had coverage, they paid out more than we ever paid in premiums, which really speaks to their reliability. Unfortunately, we no longer have our dog, but if we ever get another pet, we will absolutely choose MetLife again. The only improvement I would suggest is the option for direct payment to vets instead of reimbursement. Highly recommend.
Insurer: MetLife
By: Ida