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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Refunds take a while, but good customer services on the phone.
It takes a LONG time to get the refund checks. I understand the propensity for fraud, but I don't like having to produce SOAP notes for Rx refills or having to have a new set of notes every time I buy Rx food. I am glad that I have the insurance, as I have 2 Frenchies and they go to the vet frequently, mostly for allergy-related incidents. When I have called MetLige Pet, my experiences have been positive and the representatives have been kind and helpful.
Insurer: MetLife
By: Customer
Easy to submit claim and be reimbursed…
Easy to submit claim and be reimbursed quickly. Thank you MetLife!
Insurer: MetLife
By: customer
Spot has been helpful in some ways
Spot has been helpful in some ways. They do not seem to actually review high cost concerns, and you have to appeal for reimbursement. Such as last year my dog needed a root canal, which Spot will cover the tooth being pulled but not a root canal, however it being a broken K9 it was not recommended to be pulled by either vet. Spot did not want to cover any of the procedure because it was labeled as a root canal, even though they would’ve covered almost the exact procedure if the tooth was pulled, ie sedation, images, medications, etc. Spot also does not provide any information why something is or is not covered/reimbursed at the end of a claim. You have to go through their customer service to get answers on any claim. Now that there are several other pet insurance companies, I will be looking into others to see if there is better or easier coverage.
Insurer: Spot
By: Amanda Eastham
If you use the insurance the premium goes up
We've been with Fetch for 4 years and never had a problem until our dog had dental disease and had teeth removed. Shortly thereafter we received notice that our premium doubled with less benefits. I called and was told it was because of the use. Holly is only 4 and pretty healthy in general but apparently the teeth extraction was too much. I asked him "So we're being penalized for using the insurance we pay for." The answer was yes. He said it's like car insurance. If you use it, it goes up. He offered me a deal that I turned down. If I used it we'd be right where we are now. I canceled. Just be aware of how this works.
Insurer: Fetch
By: steve keller
Pain free and easy claim process
Filing a claim was really easy and I received exactly the amount back that I was expecting. I couldn’t have asked for it to go better.
Insurer: Spot
By: Kelly
When I first signed up with Pets Best …
When I first signed up with Pets Best loans were processed within a week and reimbursement too. Now it takes almost a month for claims to be processed and paid. Otherwise it is a great Pet Insurance.
Insurer: Pets Best
By: Linda Denny
Claim Process
Claim process was very easy to complete.
Insurer: Spot
By: Kathy Myers
We have one dog and three cats insured…
We have one dog and three cats insured by MetLife, and we have never once regretted it. The times we have taken out pets to the vet for check-ups or if an emergency, MetLife has had our backs. We use the App and once we have paid the vet bill, I immediately submit the bill to MetLife via the app and await reimbursement, per our insurance agreement. This last pet visit to the vet was on a Wednesday, and I submitted that same day, and received the funds in my bank account the following Friday. I would recommend everyone to please get MetLife for your pets, and for your own peace of mind.
Insurer: MetLife
By: Mark C