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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Great Pet Insurance
I was happy and very pleased with the reimbursement I received for my chihuahua's medical treatment. I was kept updated via emails on the claim's process. Customer Service was courteous and helpful in assisting me with any questions I had. This is my first claim with Pets Best. Being on a budget, I feel confident that my little furry rescue is covered for me to hand his medical expenses. Thank you!
Insurer: Pets Best
By: Carmela
What happened to Pet's Best customer service?
We had been happy with Pet's Best, and had wellness and illness/accident insurance for the great dane we rescued. He was heartworm positive, and full of worms, but is doing much better now. But in Oct, we got him neutered and when put under anesthesia, the vet could see he had many damaged and infected teeth, so 6 were extracted. We had met our $1000 deductible with Pets Best, and so everything should have been covered at 90 percent. It took MONTHS to even finally be able to submit the claim. Their website and app continually crashed after inputting all the data, and the phone lines hung up on me every time. Finally I emailed all the documents. They received it, because that's the date they used for opening the claim, but they didn't read the doctor's notes, they didn't contact either my regular vet or the vet that neutered him, or me, before denying the claim for lack of documentation. Now, they are supposed to be reopening the claim, but I still haven't seen any of the about $750 they owe me.
Insurer: Pets Best
By: Barbara
Great
All is great except the small print on what is covered only once a year.
The lady I spoke with was very helpful…
The lady I spoke with was very helpful and to the time to help me review some claims I didn’t understand completely.
Insurer: MetLife
By: Wendy
Fast return and people that truly want to help…
Fast return and people that truly want to work with you
Insurer: Fetch
By: Rebecca Kroes
Quick claim process
Quick claim process. Very fair settlement.
Insurer: Spot
By: Barbara M.
BAD BAD BAD
EVERYTHING TAKES AT LEAST TWO SUBMISSIONS, SOME FIVE. I SEND IN FIVE CLAIMS TOGETHER AND THEY PROCESSED TWO. THEY DIDNT DENY THE OTHERS, THEY JUST IGNORED THEM. THIS HAPPENED SEVERAL TIMES. I WAS ALSO TOLD MY DEDUCTIBLE WAS MET (AS REFLECTED IN THE APP) … LATER THE SYSTEM SHOWED IT WASN’T BY AN AMOUNT ONLY TO HAVE THAT AMOUNT (OF UNMET DEDUCTIBLE) INCREASE LATER. FRIENDS HAVE SIMILAR ISSUES. I KNEW THIS REVIEW WOULD BE BAD AND DIDNT WANT TO POST BUT SINCE THIS IS THE FOURTH REQUEST, I DECIDED TO POST SO THE REQUESTS STOP
Insurer: MetLife
By: Denver, CO customer
I submitted my first claim and was impressed
I submitted my first claim, wondering if I was going to be disappointed in Spot, but was very pleasantly surprised. Spot took my claim and within a few days they acknowledged my claim. A few days later my reimbursement check was in my mailbox. I highly recommend Spot Pet Insurance. My dog, Riley and I are impressed with Spot.
Insurer: Spot
By: Sandy
First Time Pet Insurance Buyer. Good First Experience.
This was the first time I've ever purchased pet insurance. We have a new Malinois puppy and it seemed prudent. After checking a lot of different insurances I found this one to be the best value for the money. We also added the "wellness plan" since she will be getting all of her puppy shots and check ups. The first wellness check up and puppy shots bill I submitted for payment was approved within 3 days. They paid for everything except for her Puppy ParvoVirus vaccine. I thought it strange since they paid for her other vaccine. I called them on Christmas Eve (day) and got a US based customer service rep. She looked at it and said it was just an error since my vet's billing code didn't show "VAC" or the word "Vaccine" on the bill. They apparently use some type of AI to read and pay claims. She said it would be paid and the amount of the Parvo Vac would be added to my reimbursement check. Easy-Peasy. I wish all my medical claims were that easy to fix. So far so good with this new insurance. At the price of vets these days (I'm in Hawaii) you can easily recover your annual premium in just one or two visits. Our friend's Pomeranian puppy broke her leg and her vet bills totaled $11k for everything to fix it. Like all insurance, best to have it and hope you never need to use it.
Insurer: Pets Best
By: Linda M.
Embrace has been easy to partner with…
Embrace has been easy to partner with for the health of my cat. When my boy passed away, the Embrace staff were professional and supportive. They were always prompt with claim payments. When I called to remove home from the policy, I was immediately refunded that month’s prorated premium (I was not expecting that).
Insurer: Embrace
By: Janet Underwood