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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Pet insurance
I have 4 pets, three of which are insured by MetLife and one is insured by Nationwide. I have had my nationwide policy for over 6 years and originally had 2 cats on the policy. I was grandfathered in and wasn’t offered the same deal for my other pets when I got them. MetLife provided a policy similar to that of nationwide, so I took it. Thankfully my pets have been relatively healthy. The times I’ve filed a claim with MetLife, I have never had any problems. I have been reimbursed the appropriate amount within about a week. I find the best way to contact them is to call them . I hope that if one of my pets is in need of costly healthcare treatment, MetLife will continue to cover the costs agreed upon in the insurance policy for which I have been paying for. Nationwide was a godsend for me, when my cat was diagnosed with lung cancer and needed chemotherapy . When I had to put him to rest, Nationwide paid for his euthanasia and cremation, they also refunded me for the remaining days of the month. I was sent a condolence letter and given information on pet grieving services as well. MetLife has big shoes to fill if I ever face a situation like that again. For now, I am very happy with MetLife.
Insurer: MetLife
By: Catherine
Pets best is the best!
I recently insured my three years youngest dogs with pets best after a ton of research and comparison with the other companies. I had a huge vet bill with my oldest dog last year that pushed me to take action and insure the 3 young dogs for peace of mind if nothing else I had only had the insurance for a little over a month when my perfectly healthy pooch had a terrible scary illness of course over a holiday weekend. Pets Best took very good care of us. The claim process was easy and reimbursement was quick I have the reimbursement go directly to my care credit card and that worked out great. Don’t think it can’t happen to you. Insure your pets with pets best and sleep better tonight!
Insurer: Pets Best
By: Beth
Hralthy Paws claims
Quick to repond & make claim payments. Major surgery on a Wednesday, payment made to my account on Monday.Only had one issue in 7 years & decision was teversed on appeal.
TRUPANION IS A SHAM
Today I cancelled my pet insurance policy with TRUPANION. I have been paying monthly premiums for my northern breed dog since he was a puppy. He is now almost 17. Over the years, the premiums have increased from time to time. I think I was originally paying around $35 and now it is up to about $69. Not too bad for a 17-year time span. Fortunately, Sammy has been an overall healthy dog and I can count on one hand the number of claims I have submitted over the years. Of course, because the deductible is "per disease", I have received $0 in payouts. This past week, I received a notification from Trupanion stating that my monthly premium was being increased from $69 to $94. THAT IS A 35% INCREASE! Now, when my pet is old and I really need the insurance, they force a 35% premium increase. When I called to complain I was told that "the cost of veterinary care has increased." As a veterinarian, I am well aware of this fact but NO WHERE have costs increased by 35% in one year. TRUPANION is a sham of a company, ripping off pet owners who are already struggling to provide medical care to their pets. They are an embarrassment to to the veterinary profession. Please boycott this company and tell your friends to do the same.
Insurer: Trupanion
By: Joy
Claims rejections & Non Existent Customer Service
CLAIMS REJECTIONS: I submitted a small claim for diagnostic bloodwork, that is explicitly covered in my policy ("diagnostics performed by a Veterinary provider... such as blood tests"). NON-EXISTENT CUSTOMER SERVICE: I tried the in-app and website chat functions, which were malfunctioning (both times I tried them 2 weeks apart) I tried to call the customer service line... and never was able to get through to a representative after spending 30+ minutes on hold. I finally gave up on the phone call and wrote an email to pet_info@metlife.com... 12 days ago and still have not received a response. Lots of functionality in the app for things that benefit Metlife (updating payment methods, uploading documents, etc), but nothing that supports the customer experience. I am truly amazed at how poor the customer experience is, how challenging it is to get even a small claim approved, and I will definitely be canceling my pet's policy with MetLife as soon as possible.
Rosco
Filing a claim is very easy, communication updates are great and everything they say they will cover is covered. I found this to be true of our last dog as well.
Insurer: Pets Best
By: laura
Love Healthy Paws
Healthy Paws has been there for our German Shepherd Lacey, whenever she has faced medical challenges. She had to have emergency surgery in 2023, and another emergency surgery in 2024. It was a blessing not to have to worry about the bill, and to not allow the question of "finances" to play a role in either decision. After each procedure, Healthy Paws reached out to check on Lacey and showed true concern for her well being. Highly recommend pet insurance, for peace of mind when you need it most.
Pets Best
I appreciate how responsive Pets Best is for the claims I've had to file for both of my pets over the last year. The site is easy to.navigate and the claims process is easy & efficient. Reimbursed funds deposit directly to my bank, so all i do is scan & upload invoices from my vet & Pets Best does the rest! Highly recommend their plans.
Jasmine
"When Jasine was 3 she came down with a chronic immune disorder. PetsBest has been amazing through this. Having them has kept me out of debt. Jasmine has had 3 ER stays with about 5 transfusions and sees a specialist now. I am grateful for PetsBest every day. I am so grateful to see my little girl full of life. She is a little firecracker! The journey to her health would have been so much harder without PetsBest. They are great. Thank you PetsBest! "