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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Best Investment EVER
I was on the fence about getting pet insurance when we got our puppy, but decided to try it out and it has been the best investment EVER. If we ever run into an issue with our puppy getting sick or injured, knowing that we have MetLife on our side and to help offset some of the costs has been such a lifesaver. I love how MetLife offers fully customizable plans so you can do what's best for you and your pet. My claims are always reimbursed quickly and without issue. I will never go without pet insurance!
Insurer: MetLife
By: Brielle
Generally good, but can be trigger happy on denials
Generally they have been responsive and approved claims but I had to fight an early denial on a basis that made no sense and took a significant amount of work and time to get overturned once escalated.
Insurer: Pumpkin
By: Keith
Be cautious of Figo's policies
If you’re thinking about getting pet insurance through Figo, I’m begging you to hear my story first. I took out a policy with them in September for both of our miniature schnauzers. One of them had been dealing with allergies, and I wanted to make sure we were doing everything we could to keep him healthy and protected. Then, out of nowhere, our sweet dog was diagnosed in November with a rare and devastating form of cancer—something we never could have prepared for. It was a shock, and all we wanted was to get him the care he needed. But when we filed our claims with Figo, hoping the insurance we’d been faithfully paying for would help, they denied every single one. They labeled everything as “pre-existing,” even though the cancer was diagnosed months after our policy began and confirmed by our veterinarian. It felt like they were looking for any excuse to say no. Because of those denials, the costs piled up quickly. We did everything we could for him, and thankfully we were able to cover the bills—but I kept thinking about families who couldn’t. No one should ever have to choose between paying their bills and saving their pet’s life. The hardest part came when our beloved dog lost his battle with cancer. In the middle of grieving, I submitted a claim for his final expenses, hoping at the very least they would honor that. They denied it too. That last denial was like a final blow. Figo has been the most disappointing and heartbreaking insurance experience I’ve ever had. My hope in sharing this is simple: to spare someone else from going through what we did. If your pet is sick or suddenly faces something serious, you need an insurance company that will stand by you—not one that turns away when you need them most.
Insurer: Figo
By: Jonathan Fisher
Questions are always answered and…
Questions are always answered and submitting claims are easy and received payment quickly.
Insurer: MetLife
By: customer
Horrible
Horrible. Stay away from this company at all costs. They actually find ways to get out of paying by stating “pre-existing conditions” for everything. I paid almost $10,000 at emergency vet and was reimbursed NOTHING.
Insurer: Embrace
By: Lauren Casey
You make it mostly easy to file a claim…
You make it mostly easy to file a claim and I get paid back pretty quickly. It's nice to have insurance for my pets
Insurer: Spot
By: Snowed in
Terrible insurance company
Terrible insurance company. Absolutely terrible. I enrolled two of my dogs and they did have new illnesses within a year of the date of enrollment and Prudent Pet denied all claims for pre-existing condition when there was no pre-existing condition. The worst you can expect from an insurance company. Do not waste your money.
Insurer: Prudent Pet
By: Mel Day
Great prices, excellent experience
The website and app are easy to use and provide detailed coverage information. Usually, that's hard to find, but Nationwide made it extremely accessible. I also found the price was quite reasonable, and the customized plan option allowed me to take out and add what I thought best suited my needs.
Insurer: Nationwide
By: customer
Reliable, great customer service!
I could not be more pleased with Pets Best. Daisy has epilepsy and that is so costly and exhausting. Without Pets Best, we could never have made it this far! Great customer service, fair rates and quick claim turn around 98% of the time.
Avoid this insurance company
Their policy is misleading. My dog was diagnosed with dysplasia and booked for surgery. I only managed to get a surgery date 4 DAYS after my annual policy with them renewed and they denied my 5000$ claim, due to " pre existing conditions" - basically upon each policy renewal they treat is us a new policy and whatever claim you put through before renewal is considered " pre existing condition after the renewal. I should have read it before and this is how they get you. Go through different providers. PHI is rubbish.
Insurer: PHI Direct
By: Kasia
Latest 1 comments
If you value your money and time just find another company these guys are scammers. They said pre-existing condition to diaherrea my pet had how can a sudden stomach and gut problem could be a preexisting condition? Basically stay away from this scammers!