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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Don’t think about any other company! 5 stars !!!
My 4 year old dog was diagnosed with cancer. Pets plus us has been there with us through every step. I wouldn’t have been able to keep my baby boy alive if it wasn’t for pets plus us. I can thank them enough for being such a remarkable and caring company. I will forever be a loyal client.
Absurd policy
I decided to go with Lemonade for my dog's pet insurance. I chose a deductible and a percentage of reimbursement. When it came time, the first time, to get reimbursed, I was amazed to find out that I would not be reimbursed for any examination. In other words, I knew I would not be reimbursed for routine wellness exams, like once a year; however, if my dog were sick, or in an accident, of course the first treatment would be the examination. If the examination is not included, then what exactly are we being reimbursed for?? I find this absolutely mind-boggling, almost like as a policy holder I have been completely cheated! Stay clear of this pet insurance!
Insurer: Lemonade
By: Mered
Pets Best humans great, machine recognition not so much
On last claim euthanize was listed as a non-covered food by the computer. I have experienced similar recognition with other claims. However, once I talk to the Pets Best humans, everything is great. Folks are friendly, competent and the nonsense is fixed immediately. Of special note is phone answering times- they have gone down by 90% in the past year. All I need is a box on the claim forms: "HUMAN PROCESSING ONLY". Apart from mechanical recognition issues, I am very pleased with Pets Best and all our Dobermans have been covered by them for some time."
Highly recommend Pets Best
I have been a customer of Pets Best since 2022 and have coverage for my dog, Queso. I had never filed a claim prior to this one and since it was my first time, I was nervous the process would be difficult and worried if the claim would be approved. Queso had torn his ACL and required surgery which was of course quite expensive. Thankfully, the claims process was incredibly easy, Pets Best approved the claim, and I was quickly reimbursed. The experience was fantastic and this is the exact reason why I have had coverage for Queso for many years: for a major unforeseen medical event/injury. I will always be a Pets Best customer as long as I have pets and have recommended Pets Best to many people because of this experience.
Great, as long as you don't need it
When choosing dog insurance be aware that these companies want your business as long as your pet is young and healthy. As they get older and you use the insurance more frequently to cover your pet's medical expenses, they will start denying claims and raise your premiums in order for you to cancel or they will flat out cancel your coverage.
Absolute scam!
It’s an absolute scam!!! We submitted a claim for my dog that was in the animal hospital for 10 days due to Addisons. She wasn’t diagnosed with it before our claim on 7/22 before. My dog went to the vet in January,( 6 months) before because she had gastritis. They saw she was vomiting and elevated pancreatic enzymes and denied our claim due to related symptoms. My dog received a bad batch of dog food, was even tested and came back with issues, totally unrelated to Addisons. I guess my dog can never vomit again at the animal hospital or whatever she has will be denied. Do not get pet insurance through these crooks!!!
Insurer: Lemonade
By: Justin
Amazing pet insurance!
I recently had to have a procedure done for my Shih Tzu because she had eye lashes growing into her eyes and laying on her eyes causing constant irritation and tearing. Can you imagine having several eye lashes laying being in your eyes every day, all day? Even though it was a very costly surgery, (freezing of the affected hair follicles so they won't continue to grow), Pets Best paid almost the entire bill minus the deductible. Over $2000! Also paid for most of the pre surgery visit to determine if surgery was needed. I couldn't be happier with their response and the speed of being refunded! This is an amazing company. Don't put off signing up your dog. Especially helpful for full breed puppies, since you don't know what type of issues they will have. I will be continuing with Pets Best as they have proven themselves tenfold! Thank you Pets Best!
Spot Pet Insurance Policy is Throwing Money in the Ocean
I purchased insurance from Spot Insurance based on good reviews I saw online after my former pet insurance stopped underwriting my type of policy in Florida. Every illness claim has been rejected as pre-existing conditions. Examples: My pet had a corneal ulcer in one of his eyes prior to my policy. He later had a corneal ulcer in the OPPOSITE eye. To Spot Insurance, this was pre-existing (I did appeal it but their customer service did not reach out.) Another example--my dog has had a valve heart murmur for year. It is completely stable and does not require any treatment. He recently developed a completely different heart condition. I specifically asked my veterinarian if it was related to the valve murmur. She said not at all. You guessed it. To Spot Pet Insurance it is pre-existing. I'm so disappointed in this company and would not recommend them to anyone. Save your money! You can use it to pay for all the conditions that Spot wouldn't cover anyway.
Would never recommend Embrace
Not many regrets in life, but using Embrace is one of them. Since my dog had a bit of food intolerance/allergy when he was little they’ve claimed anything gastrointestinal is a pre-existing condition that they won’t cover. Now faced with the prospect of stomach cancer at age 10 and Embrace won’t even consider scans as something that would qualify. Paid thousands to this company over the years and have never had a single cent back. My vet is even shocked about what they are claiming and using as an excuse.
Small puppy with a large tumour
What we thought was a possible UTI ended up being a tumour in her chest, taking up about 1/3 of her chest. Truly unclear as to what was going on, additional blood work was recommended and x-rays at our regular vet. Based on what was scene on the x-ray, our vet wanted us to see a specialty vet; however, getting into a specialist vet was extremely difficult - with appointments booked 2 months out - this was disheartening, stressful and frustrating. With the difficulty getting into a specialty vet, our vet recommended we head over to the emergency vet that same day, they would call the emergency vet and send over her file with x-rays. So that is what we did. The emergency vet was wonderful. They were also surprised to see what was on the x-ray, like everyone else. Her tumour is large for a dog her size and age (only 4.5 yrs old). Unclear of how long this tumour has been growing, if it has spread - which it appears to have on the x-ray, and uncertain if biopsying the tumour was even an option due to size, our options are hard options right now. She is happy, playful, wags her tail and is excited to see you, not showing any signs of pain or discomfort, she eats what and when she wants to eat. We are enjoying each and every day with her right now. Pets Best handled all of our claims as quickly as they could, they were coming in fast. Pets Best team was probably wondering what was going on and needing to get more information from both vet offices - as we didn't have a specific diagnosis. Some out of pocket expense went towards the deductible but I am pleasantly surprised to see how much we are receiving back. Pets Best insurance has been wonderful. Thank you.