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 A LEMON
My dog has been insured my LEMONADE for over two years...suddenly they are not responding to various claims...pick another pet insurance company.
Insurer: Lemonade
By: Julio
Great Claim Response
I have a Bichon/Shitzu (8 yrs) and Havamalt (3 yrs) Both have environmental allergies. Both have been insured by Pets Best since they were puppies. I have found that if I provide the correct paperwork, they process claims quickly and with little fuss. If I need to call about something, their customer service folks are professional, polite and helpful. I would recommend Pets Best to anyone.
Pet's Worst.
This is the worst pet insurance company I've ever worked with. It takes them literal MONTHS to process simple claims, and they deny every single one of them. I paid so much for insurance and never did get reimbursed for even one cent. Ever. Their rates are cheaper than some of the others, but that's because they don't pay out on claims. You're not saving any money by choosing Pet's "Best". Try Nationwide or Spot ... much better.
Insurer: Pets Best
By: Julia
Ridiculous Claim Process - Customer Service a JOKE
I submitted a claim on my female dog who had a one-off urinary tract infection. She had one 5 years ago (literally 5 years ago). Nothing since. She received anti-biotics and healthy as ever. She randomly got another infection 5 years later. These jerks DENIED my claim for treatment reimbursement claiming this was a pre-existing condition because she had an infection FIVE YEARS AGO! INSANITY! Its like me getting the flu this year, but my medical insurance denies my doctor visit reimbursement because I had the flu 5 years ago. This is scum bag stuff. On top of this, the customer service robots are unhelpful and read from scripts. Its like talking to an uneducated 10 year old. There is also NO WAY to reach ANY of the folks who "review your claims." So trying to talk or get an understanding from anyone, is completely impossible. RUN - STAY AWAY! If your dog stubs their toe 5 years ago, then stubs it again this year, they will claim that the stubbed toe is a pre-existing condition and not help pay for treatment! HORRIBLE HORRIBLE HORRIBLE!!
Insurer: Pets Best
By: David
Latest 1 comments
I agree that this is their business model.
Happy with FIGO
I've been with FIGO for alsmost 9 years now, 8 German Shepherds. They've been a great company to do business with. Claim's are processed quickly. Price is fair even with the increases that they all do every year. Will never go without pet insurance.
Smartest thing I did
I bought pet insurance when my Boxer was 8 weeks old. Smartest thing I ever did and I tell everyone. A lot of people will say "well I'll just save for vet bills". ONE incident can cost thousands of dollars. Just make sure you understand your coverage. I chose Nationwide on my vet's recommendation. The yearly deductible is only $99 and after that I get reimbursed 90% of the claim. It's deposited right into my checking account. Her wellness visits are covered 100%. I wouldn't be without.
Insurer: Nationwide
By: Kathy
Always There Immediately!
Trupanion has become our lifesaver, a reliable best buddy, you name it. My dog Jack has recently had a slew of consecutive health issues that began with seizures late one night. Hospital after hospital, appointments, tests, medications and Trupanion has been there for us through ALL of it. Trupanion approves the claim then pays the hospital directly for their portion, without hesitation. No paperwork for you and no waiting for reimbursement. Don't be fooled thinking you can't afford pet insurance. As a fixed income, retiree, Trupanion's flexibility allows me to choose the cost of the deductible by what I can afford for a monthly premium. There is a plan for every budget.
Fast and Easy
After some pricey oral surgery for our 8 year old Golden Retriever who fractured a tooth, we filed our 1st significant claim with Healthy Paws. The process was very straight forward. We just uploaded the invoices and the medical report our vet gave us. We were impressed with how fast the claim was handled and reimbursement was received. They even followed up asking how our dog was recovering. We are so thankful we had the insurance with Healthy Paws! After this experience, we would definitely recommend them.
Insurer: Healthy Paws
By: Moira
Excellent Response to Our Claim
Our puppy swallowed part of a bully stick which lodged into his esophagus then stomach. He needed an endoscopic procedure to remove it. This was our first claim and we were very happy with MetLife Pets' efficient and timely follow through in reimbursing our costs in accordance with our policy.
Insurer: MetLife
By: Doug
The used to be the best, I don't believe that's true anymore ......
Been with Trupanion over a decade. For probably 8 years i never had an issue. But over the last few years it's been pretty terrible service. Specifically their claims department. They will blanketly deny claims saying a form is missing or provide some excuse and hope you don't fight back. It's happened several times now. Most recently my claim was denied for not having an itemized invoice attached and they sent me instructions how to download an itemized invoice from chewy. Only problem was THAT IS LITERALLY EXACTLY WAS WAS ATTACHED TO THE CLAIM THEY DENIED! So they denied my claim saying i need to download an itemized invoice from chewy, and attached to that denial was my itemized invoice that i had downloaded from chewy. I called, argued, i provided not a single additional piece of documentation and VIOLA now all of the sudden my claim was magically approved. Wait .... i thought it was missing data? They do this now just blanketly deny claims and hope you don't push back. I just had 3 claims denied. Find a different provider.
Insurer: Trupanion
By: Kevin