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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Easy Claim Filing, Reasonable Prices, Good Coverage-2 paws up!
This is the most affordable pet insurance available for the coverage one gets. I have both a dog and cat covered now with a very low deductible and 90% reimbursement. My first claim went through wonderfully. I also have the optional wellness coverage so getting paid back for all the vaccines, wellness exams, and medications, is always a plus! I shopped around prior to signing up and found this company was cheaper than SPOT. My work offered a discount for SPOT but Pets Best was still cheaper. As long as you have your vet send you your bills or give you a paper copy so you can scan, and you get your own vet records, no need to worry if the vet isn't sending records directly to Pet's Best, you can do it yourself! Easy claims process, easy form uploads, and prompt email communication. My cat and dog give them 2 paws up, so I guess that's 4 paws!
Insurer: Pets Best
By: Krissy
Great care since pups.
We have 2 females we insured when we got them as pups at 3 months. pet family shared plan, Met life has honored every claim per plan with 80% reimbursement. have no complaints. ty Met Life pet caring for my family. P. S. my company an added plus.. payroll deduction is available. Just one more thing making them the right choice for us.. HAPPY WITH MET LIFE. 🐶
Having pet insurance has helped us multiple times.
Healthy Paws is a wonderful pet insurance company! They have been so easy to work with. Claims are all very easily submitted on the portal through their website. You just upload the itemized invoice and the medical records you receive from your vet. The turnaround time to have check in hand or direct deposit is 10 to 14 days. Your pet will need to have a medical exam around the time you get the insurance. Most (if not all?) pet insurance companies do not cover claims related to pre-existing conditions. But don't let that stop you as they do cover a lot that can happen in an animal's life...Accident, injury, or illness (not involved with pre-existing). Depending which plan you go with is how much the monthly bill will be. You can easily play with the tool on their website to find out what works for you with regards to percentage payout and deductible and the monthly fee. We have been insured with them since we got our two rescue pups, Lainy and Jerry, when they were approximately age 1 and 2. At the start, I think we paid around $85/month combined. They are now 8 and 9 years old, and it is now about $100/month combined. So if you only have one pet, depending what plan you choose, likely your monthly will be somewhere between $30-$60. In 7 years, we have had two major incidents with Jerry as well as several tests to evaluate elevated liver values. Lainy has yet to have a claim. I am so thankful we have had insurance! The first major claim was an accident where he was hit by a car in 2020 and it was a no brainer to take him to emergency as we had insurance. The second major claim was July 2024 where we woke up in the morning, and he suddenly couldn't use his back left leg. By the end of the day, he couldn't use either of his back legs. It was a no brainer! We have insurance and he needs help. We immediately went to emergency. After x-ray, they sent him home with pain pills and a referral to neurology. The next day with no real change, I contacted neurology and they said they only take same-day emergencies and to send them a video of him. Well, they admitted him the same-day. He had an MRI and after discussion of costs (many thousands of dollars) and the plan, he was off to back surgery as he had IVDD, Intervertebral Disk Disease, a disc protruding 50% into his spinal cord. 6 to 8 weeks post-surgery, expectation is 90% recovery with only 10% chance of relapse. Great news! While home recovery has not been easy for me or Jerry, it was well worth it. In these four weeks as I write this, he has returned his ability to walk and go to the bathroom on his own. His tail is wagging and his spirit is strong. We are bonded together stronger than ever. He has a new stroller he loves so we can still go out on long strolls and smell the fresh air and pop out of the stroller to explore on the ground for his mini walks. The length of time allowed for walking will continue to increase. I am so thankful we had insurance as this made our decision to have the surgery a possibility. I highly recommend getting and keeping pet insurance. This makes handling major health events so much easier. Our pets truly do become family and having insurance makes caring for them, especially into their elder years, so much easier. Thank you Healthy Paws!
Insurer: Healthy Paws
By: Lisa
Easy to file claims. Great company
We have a small dog that we have insured with Pets Best for several years. It is very easy to file claims. The explanation of benefits is easy to understand. The cost is reasonable and the increases each year make sense with her increasing age. When I called to speak to an agent he was easy to understand, professional and very helpful. I recommend them highly.
Insurer: Pets Best
By: Elaine
Great insurance
I’ve been using this insurance for 3 years and I’m VERY happy with the service. Easy claim process, quick reimbursement, many options for plans and coverage, clear information, good communication. Highly recommend.
Insurer: ASPCA
By: Elizabeth
Insurance worth it
My 15 year old cat has had his shares of emergencies. The last emergency he had was pancreatitis. We were out a few thousand dollars. Metlife came to our rescue and reimbursed 90% of the claim. Also, they reimburse me for his medications for chronic conditions such as arthritis and inflammatory bowel disease. I've had insurance on him for many years and I would never do without it. Metlife insurance has been a good choice for me.
Insurer: MetLife
By: Christin
Latest 1 comments
These fake 5 star reviews are rediculous
Emergency
Recently Alvin chewed and swallowed a plastic bottle cap. Rush him to emergency vet hospital in Rhode Island at 10 pm. It was successfully retrieved. Filed claim online. Received check about 2 weeks later.
Insurer: Nationwide
By: Linda
BEWARE!!!!!
Really loved Petplan before Fetch purchased the company. Without warning I was dropped from 80% reimbursement with a $500 deductible to a MEASLY 60% with a $750. NOT what I signed up for & NOT something I'd waste so much $$$ on - I pay annually, have had consecutive insurance on my dogs for over 8 years with no lapse... what a slap in the face. Canceling my policy & going to Leomade. You shouldn't have to worry about these things. What if your auto insurance dropped you from $100k/300k down to $25k/50k + increased your deductible without your consent or knowledge? They wouldn't. It's illegal!
Trash - look elsewhere.
Took weeks after a claim only to get denied. Cat needed shaving due to chronic matting. We get her shaved annually. This is the first time using Pets Best. Claimed denies as “grooming” isn’t covered. Wellness is also not covered. Other plans by other companies offer more for less.
Insurer: Pets Best
By: Rich
Latest 1 comments
Wellness is covered if you get the wellness option, which you obviously didn't. Pet's Best is not responsible for people's hurt feelings who don't read policy rules and coverage before they buy. Grooming also is normally not covered in any plan because it normally isn't essential. A cat shouldn't get constantly matted and need to be shaved all the time. It means you aren't caring for it properly, brushing, or bathing it. Don't blame a company for your shortcomings as a cat parent.
Well worth the switch
Our two senior large dogs are insured through MetLife, previously with Pets Best (which I’ve also reviewed favorably). Everything takes about 1.5 times as long with MetLife, but after the initial pains of transferring over documentation, I have absolutely nothing to complain about. Claims are clearly and cleanly processed, and any questions along the way can be quickly addressed with a simple phone call. After the switch, our dogs have a much more generous policy at an even lower cost.
Insurer: MetLife
By: Jason
Latest 1 comments
Fake 5 star reviews all over this site