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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Pets Best exceeded our expectations.
"I never paid any attention to stories about filing claims for pet insurance until I needed to use ours. Suddenly, my social media groups were filled with disappointed pet owners who had filed claims with other pet insurance companies and were denied for various reasons. Judging by others' experiences, I was sceptical that we would even get our claim partially paid. That wasn't the case with Pets Best. Within two weeks, I received an email telling me that my claim had been processed and a payment was on its way to my bank account. They paid exactly as the policy outlined. I always thought pet insurance was too expensive, but when we needed it for a very expensive emergency situation, I was thankful we had it. Thank you for exceeding our expectations. Luna's mom."
Horrible experience not just once but twice
MetLife pet insurance is a scam. I first had them in march of 2024 and filed my first claim taking my dog to check for ear infection but got denied because in Feb 2023 when spayed vet checked ears and needed cleaning wasn’t treated for infection in Feb but because had vet checked ears that was considered pre existing issue. I canceled policy however in August I signed back up . In April 2025 I took dog in the have ears checked and no infection just gave wash for ears but guess what it got denied saying pre existing condition dates back to 2024. I will never do business with MetLife and I suggest to anyone find another provider who cares and doesn’t deny for something that wasn’t diagnosed and then to deny a year later saying pre existing. Dogs get things like humans do we get ear infections etc but we don’t get denied by our insurance for something that wasn’t diagnosed a year ago as pre existing. Beware as I spoke to both representative and manager who told me I had to go through this appeal process and have my vet also write something. They are not helpful and manager I spoke to Dianna shouldn’t be a manager. I’m going with another provider who will care about my dog and the fact that I pay my bill monthly. Companies like met life shouldn’t be in pet insurance
Insurer: MetLife
By: Sharon
Best pet insurance I have found yet...
Fast claims payment. Easy claims process on my end. Only issue I have is prophylactic medicine to prevent heartworm and another to pay for flea and ticks (HeartGard Plus and NexGard). They only pay for 25% of the annual cost for a 12 month supply. Also, past puppy stage they only get a Rabies Vaccination every 3 years, but they only reimburse a one year dosage. But they pretty much cover everything for a wellness exam and vaccinations. So far I have not needed the catastropic coverage. It is pricey for a healthy 4 year old Siberian Husky, but the secure knowledge that she is 90% covered with no cap on benefits is a great relief (I have had a service dog and a pet dog both die of cancer and those bills were YUGE to try to save both of them). Nearly $100 a month is a big jump since I first signed up which was closer to $80. But cheaper if any injury or illness occurs.
Why I Recommend Pets Best to Every Pet Owner I Know
I can't thank Pets Best enough for the incredible support and services they provided to my wife and me during one of the most difficult times of our lives. Back in January 2025, we noticed a lump on the nose of our 14-month-old Australian Shepherd. After two weeks of uncertainty and no clear answers, the lump continued to grow, and the word "cancer" started to enter the conversation. It was terrifying. Right away, I contacted Pets Best, and the support specialist I spoke with was incredibly kind and reassuring. They let me know that Pets Best would be with us every step of the way. That gave us the peace of mind to focus on getting our dog the care she needed and explore every option our doctors presented. Over the course of three intense weeks filled with appointments and procedures, Pets Best kept their promise. As vet bills stacked up, they handled our claims efficiently, making a painful and stressful situation much easier to bear. Whenever I share this story, the first question I get is: "Do you have pet insurance?" Without hesitation, I proudly say, "Yes—we have Pets Best." Their policies are excellent, the claims process is simple and transparent, and their support team is top-notch. I've never been put on hold, and every question I've had has been answered quickly and compassionately. Since then, I've become a strong advocate for pet insurance and always recommend Pets Best to friends, family, and fellow pet owners. We now have the same policy for our new 14-week-old puppy—who, unfortunately, has already had a UTI and a broken leg—and once again, Pets Best has been incredible. They continue to make veterinary care easy, accessible, and affordable.
pet Pneumonia
My dog had strange hacking. Went to Urgent Vet. Diagnosed with pneumonia. Given meds. follow up showed all clear. Very pleased with Best Pets. Once bills were submitted, a quick response was made to issue me a check
Pets Best has saved Sally's life
She was diagnosed with terminal cancer over two years ago. Pets Best has kept her alive. Without their seemless coverage I don't know what I would have done. I can't thank them enough for the continuing help and support.
$14k emergency surgery almost completely covered
My 11 y.o. Yellow Lab, Jake, needed emergency surgery for a bowel obstruction in early April 2025. We were out of state at the time nearly 2,000 miles from home, and it was super stressful. Also very expensive. He was hospitalized for 3 days in the intensive care unit at an emergency facility in Tucson, AZ. I felt confident in proceeding with treatment and surgery because Pet's Best has been consistently reliable in paying Jake's past claims. If not for Pet's Best, I would've had to make the unimaginable decision between my sweet boy's life and what I could afford out-of-pocket. The claims process was easy and relatively quick, especially given the extensive medical records and charges involved. I received reimbursement via direct deposit about 3 weeks from Jake's discharge. My one complaint was that they did not cover the nutrition he required post-surgery via an NG tube. Jake had been anorexic by then for 3 days and still refused to eat on his own. That liquid nutrition was medically necessary to give him the nutrients his body was lacking and needed to recover. And the vet needed to monitor how he was digesting (and eliminating) food, since he'd had his stomach cut open and a section of his colon removed. Given the circumstance, the nutrition absolutely should've been covered. But it was only about $150 of a $14,000 bill, so I didn't pursue appealing. Ultimately, they paid everything else, and most importantly...Jake is still with me Overall, I've been very happy with Pet's Best! Other than the nutrition denial, they seem to cover (and deny) services appropriately. I'm so grateful to have the peace of mind knowing I don't have to decide between my dog's life and my bank account.
Insurer: Pets Best
By: Kristina
Best decision after getting Lenore
We are very grateful to have pet insurance for our dog Lenore. She has had an issue with front leg lameness and with the insurance we have been able to respond to helping her recover fully . Pets Best makes it easy to file a claim and be reimbursed. It is also a relief to know we can fully commit to making the right decisions about her health with insurance backing us.
Sonoma Cat Dad
I have been a loyal customer of Pets Best pet insurance and Arroyo Veterinary Hospital for several years, and I couldn't be happier with the coverage and care provided for my beloved pets, Mia and Felix. From routine check-ups to unexpected emergencies, Pets Best has consistently offered reliable and comprehensive support. The claims process is straightforward and hassle-free, allowing me to focus on my pets' health rather than paperwork. The customer service team is always friendly, knowledgeable, and ready to assist with any questions or concerns. Thanks to Pets Best, I have peace of mind knowing that Mia and Felix are protected and well-cared for. I highly recommend Pets Best to any pet owner looking for top-notch insurance coverage.