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.

64,657 total


October 21, 2025

Documents were provided for dental but…

Documents were provided for dental but also for 2 growth removals including margins. Embrace never considered the growths. Very disappointing given the $1400/year premiums

Insurer: Embrace

By: Customer

October 21, 2025

I can submit claims easily

I can submit claims easily, there has been no hassle!! Love it!

Insurer: MetLife

By: customer

October 21, 2025

Fetch does not take privacy seriously…

Fetch does not take privacy seriously or learn from its mistakes. A dog that I previously owned was rehomed and the policy was transferred to the new owner. Still I kept getting information about the dog via email and on my Fetch account page. I alerted Fetch and they said they would fix this error. Now months later, I am getting emails about the new owners claim and on my account page, there are the new owners vet info, invoice, and claim details. Clearly this is a breach of their privacy but Fetch seems unconcerned even after I contacted them again. To top it all off, Fetch denied their claim noting the policy was invalid... its not invalid, it was transferred to the new owner! Once I contacted Fetch (which is also nearly impossible), they were so nonchalant about it, saying oh well since it was denied I shouldn't get further emails. Duh.... it was denied because you can't seem to get your facts straight. This company is so poorly run and clearly does not follow the FOIPP Act. They are also insensitive and have little concern for such minor details apparently. ** Update, I've contacted Fetch about this twice and it was escalated to a Supervisor but its still happening. The chat agents don't grasp the seriousness or have any interest in escalating the issue. The problem persists despite Fetch being made aware of it.

Insurer: Fetch Canada

By: Christie Anderson

October 21, 2025

The claim process is simple on the app

The claim process is simple on the app. Just take a pic of the invoice and notes from the vet. That’s it, claim processed, money back. 😊 It can be be a direct deposited right into bank.

Insurer: MetLife

By: Melanie Huntley

October 21, 2025

Scammers

Scammers. Had a legitimate claim for something that happened to my cat. The covered nothing, zero dollars of an almost 8k expense.

Insurer: MetLife

By: Rodrigo

October 21, 2025

Efficient

It was an efficient process reviewing my claim and reimbursing me.

Insurer: MetLife

By: Marva Lynch

October 21, 2025

Denied Accident Claim

Claim denied because pain was unable to be localized and injury was assumed. Our dog was limping and whining with pain which is why he was taken to the vet. Complete joke to have pet insurance for accident and illness when claim is denied because of a reason like this. Whether the dog’s leg was broken or not, he was clearly in pain from an injury and we got no help from Pets Best. Even appealed the claim and after second review it was the same result. Customer service person actually recommended doing an appeal because she thought it sounded like we should have received some reimbursement..

Insurer: Pets Best

By: Brady

Useful
October 21, 2025

Great insurance

Luna has given us such a heart ache this year with her unexpected ailments and your company has lived up to its reputation and not given us any issues with our claims. We are very appreciative, we would not be able to afford Luna's treatment otherwise. Thank you so much.

Insurer: Pets Best

Veterinarian: Veterinary Care Group - Little Neck

By: Joseph

Useful
October 21, 2025

I have had pet insurance on my dog for…

I have had pet insurance on my dog for now the last few years I haven't had any major issues they've covered a lot of stuff that I didn't think they would cover also getting reimbursed for medications and doctors visits always helps to pay back on my Care credit card for my dog. I really appreciate having really good health care for my dog

Insurer: MetLife

By: customer

October 21, 2025

denied reimbursement for something i was covered for

I was covered for pet x-rays. When I filed my claim it was denied. I filed for an appeal and they said they never recieved it. I am just cancelling. Terrible.

Insurer: MetLife

By: Rachael Marie McDaniel

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