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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Straightforward
My first experience last year was tricky, however having gone through everything before, and knowing what I needed this time and what to request from the veterinarian upfront, this claim, as well as other recent claims, have been very straightforward and handled quickly.
Insurer: MetLife
By: Cat Mom
I paid for a policy with Spot Pet…
I paid for a policy with Spot Pet Insurance and when it actually mattered, they denied everything. Every claim I submitted was rejected using an extremely broad “pre-existing condition” argument based on symptoms from years before coverage—even without a confirmed diagnosis. It didn’t matter that the condition progressed or became severe later. The worst part was the euthanasia claim. The policy clearly lists end-of-life expenses as covered, yet they denied it anyway by tying it back to the same pre-existing reasoning. They didn’t even review it separately—just lumped it in with the rest and denied it with no clear explanation. This isn’t just about one claim—it’s how they interpret the policy. If they can link anything to a prior symptom, they’ll use it to deny coverage entirely. At that point, what are you actually paying for? Thank you for the response, but this is exactly the disconnect I’ve been pointing out. You state that you “never want a pet parent to feel dismissed or unsupported,” yet my experience has been the opposite. All claims—including emergency care and euthanasia—were denied under a broad pre-existing condition determination, without a clear, claim-specific explanation. At the same time, I received a templated condolence email and an unsolicited phone call offering sympathy. Given the context, those communications felt disingenuous rather than supportive—especially while the financial impact of these denials remains unresolved. You mention that decisions are based on medical records and documented symptoms. However, the euthanasia records themselves do not identify a specific diagnosis or explicitly link the procedure to a pre-existing condition. Despite that, the claim was denied without a clear explanation addressing that gap. I have already requested these explanations and have either been ignored or provided templated responses like this one.
Insurer: Spot
By: Joshua Neely
First time having to make a claim
Our dog had medical issue where she needed treatment. Spot Pet Insurance quickly took the claim and reimbursed us quickly for the claim. We are so thankful to Spot Pet Insurance for taking care of our claim quickly
Insurer: Spot
By: Jamie Keys
They have no problem taking your money…
They have no problem taking your money but won't approve a claim. Trash.
Insurer: Fetch
By: Megan S
They used to be good. Not anymore!
They used to be good. But, once you renew your policy, they start doing whatever they can to deny claims, their responses get slower and slower, and their prices go up. They try to relating EVERYTHING to a prior condition in an effort not to pay the claim. My dog recently visited an ER because she had bloody diarrhea. They denied the claim because she has a previous condition of osteoporosis-artheritis. Huh??? No longer happy - at all!
Insurer: Embrace
By: Michael C.
Quick response
Response time was quick and my claim was handled very well. I received my check within two weeks. I'd give Fetch TWO thumbs up!
Insurer: Fetch
By: Vicki Eberhardt
Easy Claim process
So easy to submit a claim. It’s fast and convenient.
Insurer: MetLife
By: Tammy
Easy to submit a claim
Easy to submit a claim. Fast response and payment.
Insurer: MetLife
By: Tim
Pumpkin Insurance kept their promise!
My pup got really sick and I had to take him to 2 different Emergency Care Vets over the Easter holiday. This is the first time he’s gotten sick and I thought I might loose him. Thank You Pumpkin for processing my claims so quickly. They were so very helpful on the phone. You never know how good your pet insurance is, until you need them. Pumpkin Insurance is the Best!!!
Insurer: Pumpkin
By: Lynn Ames
I have used Metlife pet insurance for…
I have used Metlife pet insurance for the past few years and very happy with how simple it is and how quick the money comes back.
Insurer: MetLife
By: Beth Defranco