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When an unexpected emergency came up with my cat, I immediately rushed her for emergency care. I have had pet insurance for awhile now but this was my first claim, so I was a bit nervous not knowing what to expect. The claim form was easy to complete and the entire process was completed in a timely manner. ASPCA kept me informed along the way and now I have peace of mind for any unexpected pet emergency.

MetLife pet insurance provides our dog Sophie with very good coverage with excellent customer service.

My dog needed to have surgery to remove a couple masses for biopsy. Between the surgery and the follow ups the money added up. I submitted the claims and they were processed the next day. Checks are in the mail. On top of that customer service reached out to see how my dog was recovering. I thought that was a very nice touch, one that I had not expected.

Great service. Easy to send in invoices with the app.

Pets Best has decided that claim is for a pre-existing condition even though the vet herself has sent a letter stating that it was not. They think they know more than the vet who treated the dog.

First of all, their turn around time for completing claims is awful. Over a month. I had a multi pet plan. The claim for one of my dogs who I had to put to sleep, was denied, first because they said my vet didn't sent records. How about you call me first so I make sure records are send instead of closing the claim a MONTH after I submitted it. Then it was denied after I reopened it because they said he had a preexisting condition. I had to put him to sleep because he had liver cancer but that had not been diagnosed previously. They said well he had a history of elevated liver enzymes. The lack of compassion was astounding to me. I asked if I could speak to a supervisor and the person refused, stating that the decision would change. Then my other pets plan more than doubled in price because they said the cost of everything was going up so they needed to charge everyone more. They changed my reimbursement rate without asking me. I called to double check the new price, was told incorrect information. I called again to double check and that person would go silent multiple times making me think the call was dropped, then put me hold for over 5minutes only to return with more incorrect information. I told her I wanted to cancel the plan. I told her about my bad experience with my other pets plan, she said 'it says here it was denied because of lack of vet records'. I said well you're wrong again and the fact that I have to reiterate what you should have on record about records having been sent after and then it still being declined is crazy to me. Canceled.

I filed a hefty emergency vet care insurance claim on a Sunday afternoon and it was settled within 72 hours. I’m very impressed with the ease and efficiency of the claim process- one less thing to worry about during such a stressful time in our lives

SPOT insurance is a fraudulent company that refuses to cover vet bills. My dog was seen for an ear infections related to wet ears. SPOT denied the claim because my dog had previously been seen at an emergency vet when she rolled in grass and had foxtails embedded in her ears. SPOT stated that my pet had a pre-existing condition of ear infections which is untrue because foxtail removal from ears is NOT related to allergies or infections. Spot then claims that my dog was diagnosed with allergies and allergies are a non-curable condition therefore SPOT will not cover any visit or prescription related to allergies. SPOT then continues to state that my dog's ear infection is related to allergies. My dog was NEVER diagnosed with allergies or seen by a vet for allergies until the visit when I submitted a claim. For each claim and each appeal I have filed I have been given a different excuse as to why my claim was denied. I was a customer for a few months which is why I believe my claim was denied because SPOT would not have received enough money in premiums to cover the cost of the claim reimbursement. If the excuses for denial were consistent I would be more likely to believe that SPOT was not a fraudulent company, however they know what to say and how to manipulate medical records to deny payment for a claim.

I got this insurance in case of something unexpected. I didn't expect to actually use this insurance for such a young dog but my 2-year-old Corgi ended up with multiple bouts of Colitis and we are still searching for the cause. Healthy Paws has reimbursed quickly and has been super easy to work with. I'm so glad I elected to go with them when I got our Corgi. I don't worry about the vet bills so much now that I know they reimburse quickly and easily.

When our dog Piper was diagnosed with a CCL injury earlier this year, we were told that corrective surgery might be necessary. When we expressed concern about the cost, we were also informed by Arboretum View Animal Hospital, which has been caring for Piper the last 10 years, that we should look into pet insurance from Trupanion. Turns out, she didn't need CCL surgery at that time, but early this month (July 2023) she was diagnosed with a soft tissue sarcoma on the underside of her left front paw. Trupanion has been with us through every stage of her treatment, from original biopsy to successful surgery very recently to remove the tumor. We are so glad that Arboretum View recommended Trupanion - their prompt payment, support and expressions of care and concern for Piper have made this a far less onerous experience than it could have been - and Piper says "Thanks!"