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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Human Insurance Should Be This Good!
We have used Healthy Paws for eight years now, for both of our rescue pups. I have never been without pet insurance and always will have it, with the hope that I don't have to use it. Unfortunately, one of our dogs has had a string of bad luck in two years, with two ACL surgeries back to back, and then getting a foxtail embedded in his face. He also has a heart condition so every single procedure comes with risk. Because of Healthy Paws, our pup Clark (as well as his sister Bella) has been able to get the care he needed. We have shelled out thousands of dollars- and it's always so much more than what is submitted (including MANY trips to the pet store for needs, diet changes when his tummy hurts due to meds, etc). The minute I file a claim with Healthy Paws, I get an email saying they got my claim, then within a day or two, I have a claim number. Within a day or two after than, my reimbursement has been sent to my account. I am flabbergasted at how on top of it Healthy Paws is! I even got an email the other day asking how Clark is. It makes me want to cry. I wish human insurance could be so "patient centered". I never mind paying my monthly premium and I don't mind when it's raised, because I can't possibly say thank you enough to Healthy Paws for all they have done for our dogs. All pet owners should have insurance and hopefully NOT need it. But if they do, they will be glad they have it!
Highly recommend
I have used HealthyPaws for my cat and they have been wonderful! He has had a few significant (and costly) medical issues pop up and HealthyPaws has always given us great coverage! It has been such a relief knowing that a good portion of his expenses will be covered. Additionally, communicating with them and submitting invoices is very easy! I could not recommend them more.
Insurer: Healthy Paws
By: Annie
Never had Insurance before, glad I did!
I adopted a GSD under 1 year, no history but a sweet boy. Never owned pet insurance but kids advised it as their adopted GSD had issues. Glad I found ASPCA after much research. A senior myself with limited income, the insurance has paid for itself as CA Vets charge crazy prices, $75 just to walk in the door :0! I hit my $500 deductible quickly and have found ASPCA to be quick IN their reimbursement and easy to navigate. I will use them every year.
Insurer: ASPCA
By: cy
Met life has been great so far.
We have had Met Life for 8 months now for our dog. She just turned a year old, everything that she has needed(shots, heartworm and vet visits) has been taken care of ( after deductible) by Met Life. We have had no problems and they are promt ,professional and fast. Thanks
Dont get pets best.
Taken over a month to process a claim twice. Denied both times anyway. No active customer support. Attempted to call multiple times. Just ended up waiting for half an hour and hanging up. Explanation of denial left to the customer to dig through lengthy legal documents to understand. It seems like if its going to cost the insurance any amount of money more than youre giving them its denied. My policy said it included prescription medication but was denied because of a loophole classified as cruciate ligament. Just not happy at all.
Horrible Coverage with Pets Best
Do not waste your time with this company. I started my new puppy on this insurance at 5 months old and my first (3) claims were denied due to "pre-existing conditions". Each claim took over 1 month to even get an email back which was apologizing for the delay and they all just provided the same rejection response. After trying to file an appeal for the last claim I just received an email saying they are terminating my coverage the following day. Horrible response time, customer service and overall experience with PetsBest.
I will probably gift Pet's Best Insurance for Christmas to my newest grand-dog's family
Without Pet's Best Insurance we would not have been able to afford treatment for our 11 year old mobility service dog--despite the years of dedicated service he has given us. We may have had to make an end of life decision last January when he was diagnosed with a brain tumor and was having seizures. Having insurance allowed for options to evaluate the situation and decide on treatment. Treatment has not been cheap (over $20k to date), but worth it when I see him enjoying life and initiating play with his newest cousin (a 1 year old very healthy lab). Filing claims is very easy and now it takes very little time before I am reimbursed. We went years without ever using the insurance, but it gave me peace of mind knowing that we could handle health issues if they arose.
MetLife Pet Insurance
I have three (3) fur babies all are insured with MetLife Pet, I cannot begin to explain their professionalism, understanding compassionate caring way they have for my babies. once a claim is submitted it is handled in a speedy manner, payment is also expediated in a fast easy way. Please do not hesitate to join MetLife it is a wonderful organization that truly cares.
excellent service
My young chhuahua need emergency treatment for ingesting something and this emergency hospital got him over his issues in less than 24 hours. Glad I had Met Life Pet insurance to cover most of the cost in a speedy, effective way
Reimbursements take about a month
The coverage is good and filing a claim was fine. The upload tool is a little broken but you can work around it. My biggest complaint is that the reimbursement timeline is unreasonable, especially when the bills are high and you're running up your credit card waiting for the money to come through. A month is just too long. I moved from Spot and they processed claims super quickly—miss them and lesson learned for next pet.
Insurer: Pets Best
By: Jarica