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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The claims process was very easy
The claims process was very easy
Insurer: Fetch
By: Karen
Fast approval and reimbursement
Fast approval and reimbursement
Insurer: Fetch
By: Andrea
Great coverage
Great coverage, easy to submit claim, reimbursed very timely.
Insurer: MetLife
By: Pam
Great Pet Insurance
The best pet insurance in the market. My vet bills are reimbursed very fast!
Insurer: Pumpkin
By: Jon
Prompt payments
December 2025 - Spot reviewed and approved veterinary claims quickly and once I hit my cat's deductible, made prompt reimbursement payments, including on emergency veterinary care that was quite pricey. I experienced no trouble or hassle and am so far pleased with their service.
Insurer: Spot
By: CB
I love pets best overall
I love pets best overall. The only issue, which has become a major problem for me financially lately, is the time it takes to process claims. It's been taking 4 weeks before I am paid for claims which is a financial hardship for me.
Insurer: Pets Best
By: Stacy Townsend
I highly recommend ASPCA
My dog suffered for many years and it was costing me a fortune, I decided to finally get pet insurance with ASPCA, and I've been with them for about 3yrs. In the beginning ASPCA was a real pain in the arse, they wanted documents of ALL of his medical records, problem was he had been to 3 different veterinary doctors, and this took some work. ASPCA kept denying claims based on pre-existing conditions, and admittedly they were pre-existing, their not stupid, but as time went on my dog developed more health problems, and I would pay the bill out of pocket, then submit a claim, it would take about a week but they would pay as much as 75%. Recently my dog passed away but not after several costly vet bills were incurred totaling around $4700, total for the year was around $8k, this included full bloodwork, urine culture, emergency doctor visits in the middle of the night, Xray's, Ultra sounds, everything the doctors could think of. I paid out of pocket and days later they reimbursed me about 65%. Insurance companies are in the business to make money and ASPCA is fair about how they conduct their business, they denied pre-existing conditions because they really were pre-existing, but when my dog had new health problems they held their end of the deal and paid out up to 75%. I highly recommend ASPCA.
Insurer: ASPCA
By: Al Vynne
One of my dogs ingested something and…
One of my dogs ingested something and they refused to pay my bills they claimed it’s and illness not and accident. They don’t want to pay out claims. I would read all of the fine print before paying for the insurance.
Insurer: ASPCA
By: Nicole Tibbetts
Pets Best Used to Be The Best... Now They're More Like One of the Rest
We originally chose Pets Best over competitor products because of their reputation for simple transaction, prompt reimbursement for covered claims, and no run-arounds. And in the beginning, that's how it was. However, over the past 2 years, Pets Best has become just like every other company. It takes far long than advertised just to have them acknowledge each claim, and then there is the all-to-familiar "we're sorry your claim is taking longer than normal" email... for every. single. claim. And then I get more emails advising our claim is incomplete, for not having provided a proper invoice - which I absolutely had (not sure where they're losing our personal data and documents), so I re0=-submit the same document, receive a confirmation email of receipt.... and then weeks later... yet another "we're sorry your claim is delayed" message, as if the entire process had started over again. Customer service is quite helpful over the phone, but... again, similar to many other competitors, their hold times are extensive now (they weren't when we first started with them). There is no hustle, there is no expediency, and they now are less effective in handling claims, so they're a lot like many other competitors now and, IMHO, have lost their competitive edge. The EOBs do provide good explanations, mostly for why something might not be a covered claim, but they do provide clear information, and when something is covered, they do provide good processing... after far too extended times.
Insurer: Pets Best
By: Mike W.
This company used to be great
This company used to be great . Now the app is always down . The chat is always down . And ….. the claims take weeks and weeks and weeks to be resolved
Insurer: Pets Best
By: vanessa gaertner