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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Quick turnaround for claims
Quick turnaround for claims and my dog’s. Allergies have been covered. The representatives are usually available quickly and have always been courteous, helpful and respectful. Unfortunately, the cost of coverage continues to rise annually, supposedly because the cost of veterinary care also is rising. That may be so, but it is difficult for the policy holder.
Insurer: Trupanion
By: Carol
I received a vet bill for $1,700 and…
I received a vet bill for $1,700 and Trupanion only covered $200. I pay around $125 a month for coverage. Math does not work and I will cancel coverage. Feels like a scam.
Insurer: Trupanion
By: Michael
Unsure what the problem is
I've been trying to get a claim submitted since 11/17 (it's now 12/29) and I have no idea what the issue with pets best is. Right off the bat, every single claim I've submitted takes so long that they send me multiple emails apologizing for the delay. For every. Single. Claim. So I wasn't too surprised when this one took a while. However when they finally reached out to the vet for medical records, they claimed they never received a response and canceled the claim. So I called the vet and they emailed me the form from pets best that they had filled out and sent back to them. So I think okay maybe because my pet is under a different last name at the vet, I should clarify that even though it's kind of obvious that it's my pet, maybe they just have an automated system that didn't figure it out. So I resubmitted the claim with the records, and I'm STILL waiting. Anyone with a brain can look at the records and figure it out, as a matter of fact, it could probably be done by AI with no problems. Moral of the story is, I think they have a single gerbil handling all their claims because that's the only reason I can think of as to why filing a claim with them is so torturous. I wish I could switch to a different insurance company but of course that means my pet's now "pre-existing conditions" wouldn't be covered.
Insurer: Pets Best
By: Amy
It is so easy to submit a claim
It is so easy to submit a claim, and the response rate of completion is extremely fast! Even with a December claim coming in at a busy time of the year.
Insurer: MetLife
By: S.W
Great Customer Service
"I appreciate how easy it is to file a claim and the fact that I receive notifications that the claim was received, the status of it, and whether or not there are any delays in processing my claims. I'm happy with this insurance for my pup, who has some chronic allergy and stomach issues.
Insurer: Pets Best
By: Tammy
Pumpkin was great
Pumpkin was great! They were there when I needed them. Claims were submitted and closed quickly and smoothly. They were kind when I canceled pumpkin because my cat passed away suddenly and they showed sympathy. I am DEFINITELY coming back to Pumpkin when I’m ready for another fur baby.
Insurer: Pumpkin
By: Denise Magallanes
Medication for my German Shepherd
PetsBest has very good coverage for medications, simple to file claims, and reimburses quickly. My girl and I are very happy that Adequan is covered and she's feeling so much better. Thank You
Been using MetLife for 2 yrs
Been using MetLife for 2 yrs. Great experience with my coverage
Insurer: MetLife
By: David E
Loyal Customer no more
I have been a loyal customer of Spot since 2021, but after my most recent renewal in November, they have shown their true, heartless colors. My dog, Lady, deserved better than the "convenience" email I received from this company. They are masters of the bait-and-switch. They moved the goalposts from a general Accidental Death claim to insisting she must have been hit by a car to qualify. When that didn't work, they pivoted to the classic "pre-existing condition" excuse to avoid paying out. To take my money for years and then deny my claim right after a renewal is disgusting. But the ultimate insult was receiving their cold denial signed off with "Happy Pet Parenting." There is nothing "happy" about how they treat grieving owners and the pets they are supposed to protect. They don’t care about Lady, and they don’t care about the people who pay their premiums. After four years, I’ve learned that their "coverage" is just a facade. Save your money and your heart—go elsewhere.
Insurer: Spot
By: Rachael McPherson
This insurance is worth every penny
This insurance is worth every penny. Very quick at processing claims. Super easy app and very easy to make a claim. Cannot recommend enough!!
Insurer: MetLife
By: Tina Ryan