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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Simple Claims Process - Great Customer Service
The Pets Best app is one of the most, if not the most, efficient methods to file a claim. It's very easy and self-explanatory. Furthermore, responses are expeditious as well as reimbursement. I wish insurance companies on the human side were this simple! It's a privilege to have our Bloodhound Peach insured through Pets Best.
Read everything VERY VERY closely before signing
My animals are very important. The first time I ever got insurance was through MetLife because I trusted the name. I made it abundantly clear the coverage I wanted. I made the mistake of trusting the MetLife agent to give me what I needed. I ended up with a policy that only covered $2000 which is nothing. If I knew that was the limit of the coverage, I never would have taken the policy because it was definitely not what I asked for. After my dog passed, I was advised I had a death benefit. So, I put the claim in, only to find out it got denied because I reached my $2000 limit, of which they only pay 90% so the actually limit is $1800. My premiums were more than that. Horrible coverage and will never go back.
Very happy with MetLife Pet
We purchased what I designed to be "catastrophic" coverage for a young bully breed family member - 2500 ded., 90% unlimited afterward - for a very reasonable price. One ER visit and an allergy diagnosis later, we have exceeded the deductible and are receiving reimbursement. The claims upload process is easy, and our claims have been processed quickly, including a claim for boarding while his Mom was hospitalized and coverage for expensive hydrolyzed prescription food. Any questions/concerns we've had have been resolved by their customer reps, who are available 7 days a week. Getting coverage when our dog was young (7 months) avoided issues with preexisting conditions, as he had none at the time we purchased the policy (as documented in his adoption and wellness care vet notes). And I'm old enough to remember: "Get Met - It Pays" :-)
Insurer: MetLife
By: K
Easy Breezy
From filing a claim online to reimbursement it was easy. I didn't get reimbursed as much as I thought when I ran the figures on my own, but the process was simple. Payment went right back to my CareCredit acct.
Healthy Paws is great!
We have a yellow lab (Simon) and have a pet insurance policy with Healthy Paws. Simon tore his ACL and had to have surgery. Healthy Paws paid the invoice in only two days with no questions asked other than to kindly following up a couple days later inquiring how Simon was recovering. It made a stressful experience easier for us. If you are in the market for pet insurance, I would highly recommend Healthy Paws!
Insurer: Healthy Paws
By: William
Pets Best is the best!
"We have had several claim with Pets Best but never one as expensive as this one. My poor boy had bladder stones. The vet (unfortunately) did not see the need to do surgery, so in two months, we had to go back. In a stream of unfortunate events to follow, we were back and forth to emergency vets, this was EXHAUSTING. Finally we asked that they do a surgery and they did. This was all very expensive and very stressful and many missed days of work. Pets Best saved our bacon with their wonderful insurance! I am forever grateful and I will continue to refer their name to ALL of my friends and FB
Insurer: Pets Best
By: Jennifer
Great Service
Pets Best reimbursed me within a week and a half of submitting my claim. Excellent response time.
Excellent!
So glad that I have trusted Pets Best. I was skeptical at first based on so many negative reviews, however, I have had to use them twice for claims now, and they paid the claims perfectly exactly according to my policy and the set coverage limits, no questions asked, as expected. I believe most of the negative reviews must be based off of people who do not actually read the policy details and who don't understand what is covered and what is not. I am so thankful that I got this insurance, and thank you to Pets Best for making the process very simple and for standing behind what you say, you will cover!
Urgent Care Visit
Why: suspected my dog had a UTI Where: urgent care San Diego When: late Saturday 2/8/25 Vet verified through testing my dog had a UTI and needed antibiotics, anti-inflammatory, and pain meds. Filed my claim (simply uploaded a photo of my itemized reciept with total amount paid) on Sunday and it was approved within the same week. Reimbursement went straight to my bank account. Process was quick and easy.
Insurer: Pets Best
By: Cassandra
Thank you, Hartville pet insurance.
Our beloved cat had an accident and fractured her back leg. She needed surgery, which was very expensive. After I paid for everything and I submitted the claim, I was ready to fight for the reimbursement, like you always have to do with insurances. Three days after, the claim was accepted, no questions or uncomfortable phone calls. I had the reimbursement included in my policy less than one week after the surgery. Thanks Hartville Insurance for making things so easy in a moment of need. 100% recommended.
Insurer: Hartville
By: Maria