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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Terrible: DO NOT BUY FIGO Insurance
The fine print and layout of the explanation of the benefits is deceptive. The graphic that summarizes the policy benefits shows two circles - one says $500 deductible, and the other circle says "unlimited". The categories of benefits listed below do not apply to the deductible. ALSO, I was unaware that there was a 181 day deadline to file claims. After spending $716. for one dog, and $657 for my second dog, I am being denied most of my claims because they are "late". My brother was diagnosed with terminal cancer and I am caring for him so I wasn't in any hurry to file my claims. I only learned about this "late" policy by calling the company. The claim summary on the app does not explain this, one just sees "$0" benefit. When you submit an appeal the company they have 5 days to acknowledge the claim, then in 30 day increments they let you know know that things are "in review", until they have made a decision. It is rigged to insure that the company keeps most of your premium. I would have saved money if I hadn't bought these policies.
Insurer: Figo
By: lynne
Consisten, Clear Claims Process!
I have two dogs and two insurance policies. Whether I am submitting a well-dog or sick-dog claim, the process is always the same. They acknowledge your claim immediately, let you know if it may take longer than expected, and quickly respond (and pay). If your claim is denied, they explain why and tell you how to get in touch with them if you disagree or have questions. I never have questions because they are so thorough!
Insurer: Pets Best
By: Candace
Excellent service by Pets Best
"My two dogs ended up with situations requiring surgery -- within two weeks of each other. In 60+ years, only once have I had a dog requiring surgery. Then this. The bills were high. (And the recoveries have been very slow). I was so grateful that Pets Best reimbursed me the 80% within two weeks each time. I couldn't have paid for those bills OOP. I hate to think what the consequences would have been."
Pet Claim
The claim involved simply filling out an emailform and sending a picture.
Excellent Pet Insurance Company
Since February of 2026 we tried to get a diagnosis for our cat Lui. He had lost a lot of weight and was having gastric issues. We went to two different vets from February through July, a specialist for a surgical biopsy in July, and finally to the Animal Cancer Care center after Lui was diagnosed with two types of cancer. Pets Best made a very emotional and distressful time for my husband and I easier by giving us financial peace of mind. We have had coverage on our six cats for many years, but this year was the first time we've had to file claims. The claim submission process is very simple and convenient. Our claims were reviewed within 2-7 days and every one of them was paid with no questions. We use Care Credit and our claims are paid directly to the card. We finally have Lui on a treatment protocol and he's already feeling better. Pets Best has made things that much easier for us because we don't have to worry about paying high vet bills!
Worth it!
I'm so glad to have Pets Best to help with my dog's complex needs. I've always found the claims process easy to understand, and so far it's covered everything that I've expected it to. It's been very much worth the investment!
Insurer: Pets Best
By: Teresa
Great Insurance
Pets Best has easy, smooth claims process. Quick, hassle free reimbursements. The company is also emotionally supportive when your furbaby crosses the rainbow bridge
Insurer: Pets Best
By: T
My experience with Pets Best
I have had to file several claims due to allergies and normal well being care. All claims were handled quickly and efficiently, This is my 5th dog but the only one I have used insurance with. I am so glad I decided to get insurance for him. Its really nice to get some of the money back I have to spend on the vet.
GREAT SERVICE
PETS BEST WAS VERY EASY TO WORK WITH. THEY REIMBURSED ACCORDING TO THE PLAN THAT I HAVE AND I AM VERY HAPPY WITH IT.
vet team and insurance dream combo
We recently signed up our dog up for insurance due to rising cost of vet care. We had our dogs annual wellness exam two weeks after we signed up and were very pleased with the coverage of routine care and vaccines.