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.

64,617 total


June 02, 2026

Excellent experience

Excellent experience. Easy to submit claim and paid quickly.

Insurer: Pumpkin

By: LC

June 02, 2026

Fantastic Service!!

Lightning quick claim processing and payment, extremely user-friendly, very reasonable

Insurer: MetLife

By: Greg

June 02, 2026

Quick response to the claims.

Quick response to the claims.

Insurer: MetLife

By: Joseph

June 02, 2026

Have been a customer for a few years…

Have been a customer for a few years and keep coming back. The customer service is great, claims process is quick and easy and reimbursement is fast. It feels great to be able to insure my fur babies for a reasonable price with great service.

Insurer: MetLife

By: Rebecca

June 02, 2026

Just another garbage pet insurance…

Just another garbage pet insurance company looking to take your money and deny your claims. Terrible. I suggest saving an emergency fund and including any monthly fees you would have given Spot. They get two stars for having an app that’s easy to use that makes filing a claim simple, but it’s all for nothing so why bother?

Insurer: Spot

By: Dan

June 02, 2026

So easy to submit a claim and quick…

So easy to submit a claim and quick turnaround for reimbursement

Insurer: MetLife

By: customer

Verified June 02, 2026

adoro claims experience

Approval of the claim was super fast: submitted before bed and woke up to an approval. Instant payment to Venmo was also incredibly convenient. Entirely no-hassle. Wish my human health insurance was this quick and easy.

Insurer: Adoro

By: Andrew

Useful
June 01, 2026

This past year when I file a claim…

This past year when I file a claim everything seems to be going a lot smoother. The claims have been processed in a few days and not weeks. Thank goodness. I appreciate the prompt reply. Thank you, Dorothy Shue

Insurer: MetLife

By: Dorothy Shue

June 01, 2026

I have had my dog on this insurance…

I have had my dog on this insurance since a puppy. They constantly increase rates, state they cover unlimited but fail to mention constant normal procedures they do not cover and constantly increases rates. I have not been able to ever get money back and suggest finding a place that covers routine care especially preventative. Unless your dog is very sick its better to put the amount of money you want to spend on your dog monthly, in a dog savings account, find a better insurance that has more wide benefits and keep your deductible at a high amount while doing this to a sufficient saving amount, then cut them loose.They process claims quick but rarely do you qualify for any refund due to fine print and exclusions

Insurer: Healthy Paws

By: Josh Despain

June 01, 2026

Adopted a cat from shelter and a few…

Adopted a cat from shelter and a few days later signed up with Fetch. Was healthy but developed health issues a few days later and made two vet visits and two pet hospital visits (one was overnight stay) all within 5 days that week. Needless to say, it was very expensive. I wrote a letter to Fetch explaining all the facts of the situation, all prior to insurance starting. I just received reimbursement for the majority of medical bills thanks to the Pre-Ex Protection included in my policy. I was so grateful for this unexpected reimbursement of medical costs. I would recommend Fetch for your fur babies.

Insurer: Fetch

By: Susan

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