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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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! "
Jagger's Claim
Claim was filed weeks after vet services, confirmation email that claim was received the same day. Reimbursement in less than 5 days, very efficient and professional. Dr. Alfred Green, Jr. (Jagger's Daddy)
Very Fast
I submitted a claim for my dog eating a chicken bone. The entire process was quick and efficient. They explained what was paid, what wasn't and why (deductible, co-pay, etc)
Insurer: Pets Best
By: Magnolia
Bella's cancer journey
Bella is an 11 year old westie. She was diagnosed with tcc bladder cancer in June 2023. Pets Best has allowed me the financial support to provide her the best possible treatment for this horrible disease. She continues to receive treatment to help stabilize the tumor and maintain quality of life. I appreciate Pets Best.
Faulty Eye Lid
Our most recent rescue was found on the streets. With no medical history we adopted him and focused on getting him up to date with all normal shots and a healthy weight. We later learned that he suffered from entropion in one of his eyes. As it continued to bother him and we saw less and less of that eye ball due to irritation of the globe, we decided to put him in for surgery to get it resolved. He is a very pretty boy with two big full eyes now. After the surgery, I snapped a few pictures of our bills and received a substantial amount of our cost back from Pets Best. The process took 15 mins for about $800 reimbursement. It was well worth it and we're happy we have Alfie insured.
Insurer: Pets Best
By: Ariel