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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Exceptional
Healthy Paws has been exceptional with all of my canines health issues! We are truly blessed to have such a great insurance supporting us! They are quick, and the process is very easy!
Insurer: Healthy Paws
By: Glori Laurenne
Absolutely terrible experience—they would rather accuse you of fraud than do basic math
I’ve been a great member for 2 years and have always paid my premiums on time, but the moment I submitted a major claim, they completely failed me. I submitted an authentic, direct invoice from my vet. Because the bill had split charges—an initial charge and an additional charge from the same visit making up the rest of the total—Spot's claims department lazily called the vet, only verified the initial amount, and immediately slapped a "Determination of Fraud" on my account and canceled my policy. They didn't even bother to look at the final, itemized ledger or reconcile the total amount. Instead of doing a basic billing reconciliation, their immediate default is to call their paying customers liars. I have provided the complete ledger and bank statements proving the full cleared payment. I will be taking my business to an insurance company that actually values its customers and handles claims with basic competency. Save yourself the stress and the insulting accusations. Avoid Spot Pet Insurance at all costs.
Insurer: Spot
By: EM
The length of time it takes to be reimbursed for a claim is excessive.
The length of time it takes to adjudicate and pay claims is excessive at best. However, when a claim qualifies for priority the claim is expedited. I don’t find waiting 2 weeks and sometimes longer to be reimbursed as satisfactory.
Insurer: Pumpkin
By: customer
Great insurance
Great insurance. Lets me know that my claim has gone through. They cover what they said they would and don't try to weasel out of paying! Plus, I like giving my $$ to a non-profit.
Insurer: ASPCA
By: Pamela A Rogers
I have used Fetch before for a pup I…
I have used Fetch before for a pup I had for 15 years before she crossed the rainbow bridge. I only had to use them one time, as Sippy was a healthy pup. I have another small toy poodle puppy now and I turned to Fetch for insurance coverage for her. This time, I researched different pet insurance companies and got quotes for the coverage I wanted. Fetch, once again, came thru. They offered the best coverage for the best rates. Plus, their claims process couldn't be any easier and their customer service was always there to help. Very impressive. Amanda was a great help. We are getting another poodle next month and Amanda gave me her contact information so I could add "Jack" to "Piper"'s policy. Thank you for a smooth purchase, Amanda.
Insurer: Fetch
By: Melysa Vestal
Highly recommend!!
Quick claim processing and reimbursement of claims. We have had them for 3 years and haven’t ever had an issue- they have approved every illness/injury claim we have submitted. Highly recommend!!!!
Insurer: Spot
By: Jayme Deppen
Kametria is a rockstar at Fetch…
Kametria went above and beyond helping me submitting the documents correctly, and putting notes on my claims to make it easy to process. I am beyond grateful for the kind of service I received today and I appreciate Kametria so much organizing my claims!!! She made my day
Insurer: Fetch
By: Ivett Moore
Prompt & accurate claim processing &…
Prompt & accurate claim processing & good live phone support. Thanks!
Insurer: Spot
By: Patrick Okey
Metlife Scam
First, customer service is horrendous. No one is actually able to help with anything even on a supervisory level. Answer is always we will get back to you and no one ever does prompting multiple calls with long wait times for the same issue. Second and most importantly, claims are attributed to preexisting problems when not appropriate. Example my dog has hx of vaginitis (preexisting) and was recently treated for a urinary tract infection requiring antibiotics and several bladder sonograms, Claim denied due to previous dx of vaginitis !!!??? I happen to be a medical professional and am well aware they have nothing to do with each other. Just a way for Metlife to deny payment. I was told I could appeal. This is my first claim and therefore I canceled completely. I do not have the time or energy to fight with anyone especially given your poor customer service. I will continue to post negative comments everywhere I can about your product. Disgraceful sham
Insurer: MetLife
By: Linda Bulger
Easy to claim and easy response
Easy to send in a claim online and a quick response for the claim
Insurer: Spot
By: John Adams