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.

64,641 total


April 28, 2026

I got reimbursed very quickly and it…

I got reimbursed very quickly and it was easy to do.

Insurer: Spot

By: Samantha Day

April 28, 2026

It was easy to file my claim

It was easy to file my claim, and my claim was handled promptly and correctly.

Insurer: Healthy Paws

By: NorCal User

April 28, 2026

Healthy Paws IS A JOKE! DO NOT USE!

Very disappointing experience with Healthy Paws Pet Insurance. When I reviewed my claim in the app, it showed no invoice attached, no medical records attached, and no supporting documents attached. This raised serious concerns about how claims are reviewed. Customer service responses felt scripted and no one could give clear answers. After paying monthly premiums and trusting this company, the lack of transparency was extremely frustrating. I recommend pet owners research other options carefully before choosing Healthy Paws. They pay NOTHING!

Insurer: Healthy Paws

By: Ronnie Hooper

April 28, 2026

We've had our dog covered with Fetch…

We've had our dog covered with Fetch for years and are now having to submit claims for his health issues. Fetch has been very good with processing claims quickly and correctly. I've had to call them for some information a couple times and their representatives are helpful and courteous.

Insurer: Fetch

By: Holly Wiley

April 27, 2026

The website frequently malfunctions

The website frequently malfunctions, causing significant frustration when trying to log in and submit claims. Additionally, the reimbursement process is unacceptably prolonged, which adds to the overall inconvenience and dissatisfaction.

Insurer: Pets Best

By: Anatol Woolf

April 27, 2026

I submitted an application for pet…

I submitted an application for pet insurance and have not been update its been over a month!

Insurer: Nationwide

By: customer

April 27, 2026

promptly responds to claims

promptly responds to claims. They let you know of any missing documents

Insurer: Fetch

By: Val

April 27, 2026

We love our Spot insurance

We love our Spot insurance! Our 8 month old puppy recently went missing and returned to us injured four days later. This was such a difficult time for us, but we were so reassured that the process of entering a claim and receiving a refund was so simple. It made this difficult experience just a little easier to handle. Plus, afterwards, we saw that Spot offers a discount for a GPS collar through Fi, which is the first thing we purchased after her runaway adventures. Highly recommend!

Insurer: Spot

By: Giulia Tolar

April 27, 2026

Better options out there if you haven’t spent years with MetLife

Insurance coverage is ok- the rate hike was a unnecessary since there was no increase in benefits. Turnaround times for reimbursement is still slower than advertised or reported once the invoice is submitted. There should be a price decrease when people have been with MetLife for years - dog insurance is no different that overpriced human insurance

Insurer: MetLife

By: Dee

April 27, 2026

Why bother with coverage when most wellness visits are not covered specifically the shots

It seems like nothing is ever covered. Its hard to get someone on the phone and you keep raising prices. We will be looking elsewhere.

Insurer: Pets Best

By: S Andia

Compare top pet insurance providers plans.

For puppies and kittens, please estimate your pet's full-grown weight.