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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Fantastic Coverage and service.
Fantastic Coverage and service.
Insurer: MetLife
By: Joe Graeber
Helping us with medical costs for our pup
Our one year old pup is having stomach issues and in need of a lot of testing- thank goodness for Trupanion! The insurance has helped us immensely for the expensive testing needed.
Insurer: Trupanion
By: Joanne
Quick reimbursement
Quick reimbursement. No hassle.
Insurer: MetLife
By: customer
The customer service rep who answered…
The customer service rep who answered my questions was fantastic. I can't believe how quickly you processed and paid my claims. I have $0 deductible 90% coverage plan and I love everything about it.
Insurer: MetLife
By: customer
Accident prone Dog
I bought this insurance because I have an accident prone dog. Have had to file to file 3 claims for injuries and so far, each claim has been paid without incident.
Insurer: Spot
By: Kddallas
Trupanion Wiggles Out of Paying a Small Claim
Trupanion groups conditions to get away with writing off any associated issue as pre-existing. This would not be a problem if I had been denied a pre-approval with a condition that was pre-existing and know to be chronic or reoccur but when the condition is documented to have no known cause that does not feel like something that should be considered pre-existing. My advice if you are willing to pay Trupanion prices, find a pet insurance that is at least more flexible with their coverage.
Insurer: Trupanion
By: Ben Galligan
Get Figo
Get Figo! They were transparent, easy-to-reach, and they covered exactly what they said they would
Insurer: Figo
By: Carrie
Pet's Best is OK
I have been marginally happy with Pet's Best over the last 4 years. I did have an issue where they covered a surgery that didn't accomplish anything, but wouldn't cover a treatment (because it was an 'alternative therapy'). However, that treatment has been more effective and resolved our issue. I'm also highly frustrated at the $351 price hike due to my pug turning 5. The reason was the breed and age. The dog has not even reached it's deductible for 2 years. The customer service is not understanding and gives very scripted and generic responses to you being upset. Same when I tried to get our previously mentioned treatment covered, even with pages of appeal information from our specialty vet... they wouldn't even entertain the idea. Just a generic 'nope, it's not on our list of medications'. Knowing people who have been through catastrophic events with their pets, I have chosen to stay with Pet's Best 'just in case'. Unfortunately, even with the price hike, they still offer the best coverage (I shopped around). Having said all of this, I guess it's the way the world is now a days. No one cares about helping you, they're just out to make money.
Insurer: Pets Best
By: Erica Shott
First claim and they denied it
First claim and they denied it. They mentioned some pre-policy examination that was required but they sure took my money. I followed all of the initial steps they provided and no where was there a "pre-policy examination" mentioned. Our dog is mostly healthy but I got the insurance because she's getting older now and I wanted to be sure we could get her care if something happened. Really disappointed in this insurance, it was horrible.
Insurer: Embrace
By: T. A. Baut
Excellent service and super easy to work with!
I recently set up Spot pet insurance for my two dogs, and the entire process was incredibly smooth and straightforward. The website was user-friendly, the options were clearly explained, and I was able to get both policies active in just a few minutes. No hassle, no confusion—just quick and easy setup. What really impressed me though was their claim processing. I submitted a claim recently, and it was handled quickly and efficiently. The reimbursement came through faster than I expected, with clear communication throughout the process. It took a huge weight off my shoulders knowing that Spot has my dogs' backs when they need vet care. I highly recommend Spot Pet Insurance to any pet parent looking for reliable coverage without the headaches. Their team clearly understands how important our furry family members are. Five stars all the way! — Chris Lewis, San Diego, CA
Insurer: Spot
By: Christopher