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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Lemonade Is So Sweet!
Lemonade makes taking our beloved furry family members to the vet less financially stressful. The app's super easy to use, and we get reimbursed almost instantly. Now we can completely focus on our dogs' health without worrying how we will pay for their health care.
Claim
My boy was recently diagnosed with ARVC, a heart condition know predominately in boxers. Having PPU Insurance has given me the peace of mind to get him the best care I can and not have to think twice about it. I truly am happy I have it. This last claim was for a 24 hour emergency vet visit.
Insurer: Pets Plus Us
By: Karen
So happy with this service
We decided to get pet insurance as more and more people around us were telling us things with their own pet. We are so thankful we did, as not longer after we enrolled our dog had an accident that would have been a large financial strain on our family. The turn around time was amazingly quick, from submitting to receiving refund. I have only had to call into once regarding something else, but the agent was extremly helpful and I'm happy I've chosen PetsPlusUs at this point.
Insurer: Pets Plus Us
By: Theresa
Pets Best is the Best!..
Very satisfied with the ease and super prompt reimbursement!.. I have filed many claims throught the years and they have always come through for my 17 year old Baby Girl!.. Covered exactly 100% of what is supposed to be cover! I am 100 % satisfied and so is my Queenie Baby Girl!.. Thank You Pets Best!
Insurer: Pets Best
By: J A
Surgery
Absolutely satisfied with you didn’t have to jump through hoops to get paid they actually care the whole process was a pleasure
Insurer: ASPCA
By: Terry
Great service
Healthy Paws was top notch in service and an actual person took time to check in on my dog to ensure that he was doing well after an emergency surgery, rather than sending some canned email. I was so touched that they genuinely were interested in my dog's well being and we weren't just a "case". I would highly, highly recommend Healthy Paws for any pet owner. They processed our claim quickly, answered all of our questions respectfully and timely and, again, followed up directly to make sure all was well. A++++++ service
Insurer: Healthy Paws
By: Donna
Bad Faith
Beware, they have the cheapest policy for a reason! I'm currently preparing for a bad faith claim against Embrace, and I would encourage the multiple other customers who are posting similar reviews to do the same. Paid for their service for an entire year for my two small, acute claims to be placed on hold indefinitely due to Embrace being "unable to obtain a prior physical from our vet to rule out pre-existing conditions". Please note, the diagnoses for these claims were "laceration" and "broken nail". Received several notices stating I did not need to take action, they would continue contacting the vet's office, and not to worry. Asked our vet to send the records to embrace, and they stated they had. I have used two vets offices in the past, but had only seen one of them within the past year. I contacted that vet myself and uploaded their physical to the portal within the requested time frame but continued to receive the "insufficient information" response. After multiple emails to Embrace about the status of my claims I finally decided to give up and cut my losses on the claim amounts. After calling to cancel and ask for a refund of my policy (since they withheld services for my claims due to "insufficient information" but continued charging my card) I was told I would not be able to be refunded for "their coverage provided to me" (again, none of my claims have been able to be processed. I would not consider that to be "coverage provided" and I doubt the bench will either). Per customer service since I had two vets listed in my portal they were awaiting records from the vet I hadn't seen in the past year (because they don't exist). Per the representative they have to have documentation from years prior even though I uploaded a physical from the other vet as requested. I called the other Vet myself and had records from over a year ago emailed to ME instead of requesting they be sent to Embrace. They were in my inbox within minutes, no questions asked.... Called customer service back and asked if they ever called the vet's office instead of trying to contact them via robot emails and was told "usually only after we have had several failed requests AND THE CUSTOMER ASKS US TO". Seems like they will do anything they can to take your monthly payment without working to help you or your pet! Hoping my claims will be fulfilled since I have taken action. If that is the case I will happily update my review from 1-star to 2.... but I'm not holding my breath.
Insurer: Embrace
By: Savannah
Great Insurance
I was reluctant to get insurance for my newly adopted furry baby, as I had pet insurance on my previous dog, with another carrier, and they would never reimburse any expenses. A friend told me about MetLife and that she was pleased, so when I adopted my new furry baby, I thought I would give it a shot. I have had an excellent experience with MetLife's coverage so far and would highly recommend them. In fact, I told a good friend about MetLife's pet insurance, and she purchased it as well and is also very pleased. It is good honest coverage. They cover what the plain advertises it will cover, and customer service is friendly and knowledgeable.
Insurer: MetLife
By: Kat
Exclusions
Was a member for a decade but apparently emergency dental surgery isn't covered under our accident and illness policy. I would have been much better served saving the nearly $70 a month on insurance and putting it in my shoebox. I had never made a claim before with them and this is how I was treated. Thanks for the money but we don't cover this emergency care because it's dental, as if that's somehow not urgent. Very disappointed
Insurer: Pets Plus Us
By: M
Total scam
Rejected claims with no explanation other than 'terms of service' for over a period of 6 months, emergency services, and ultimately euthanasia. The final one it was all written off with deductibles. You pay out of pocket for all services up front with the impression you can file a claim, and guess what.... wasn't worth the premiums and we canceled it for all our pets.
Insurer: Prudent Pet
By: Kenon