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


February 12, 2026

reliable insurance

Very clear guidelines and fast reimbursement

Insurer: Healthy Paws

By: V Lee

February 12, 2026

Healthy Paws is hands down the best pet…

Healthy Paws is hands down the best pet insurance out there. I’ve been with them for over 15 years and they have never disappointed us. We recently had a medical bill of over $10,000 for our cat Vixie, and in less than a week it was approved for payment. That kind of support during such a stressful time is priceless. Choosing Healthy Paws was one of the best decisions we ever made. It gives us peace of mind knowing we never have to choose between our finances and our fur babies’ health. I recommend them to every pet parent I know.

Insurer: Healthy Paws

By: Juliana Scaturro

February 11, 2026

Do yourself a favour and look elsewhere

When dealing with this company it is important to realise they will try everything to not try and pay for rehabilitation after surgery even when told it would all be covered. I highly recommend choosing another company such as CAA, vet board insurance or true panion. Absolute nightmare and they do not care about your well-being or your pets just about your credit card number and charging it on a monthly basis. This is especially disappointing because I did my due diligence, calling them to make sure the surgery and rehab would be covered, these calls are supposed to be recorded you can very easily go back to hear what was said. But it's easier for them to brush you off because they know that you won't be able to go anywhere else since it's now considered a pre-existing condition. Great job Fetch, you definitely know how to use the system to your advantage.....

Insurer: Fetch Canada

By: Caleb Chapman

February 11, 2026

Easy to file a claim

Easy to file a claim, quick reimbursement.

Insurer: Fetch

By: C E

February 11, 2026

User friend and fast customer service

We have had to use our insurance once so far but Spot made it easy and without any difficulty. They were quick to review and respond to our requests.

Insurer: Spot

By: Dominique Black

February 11, 2026

Best Pet Insurance I have had

I have had half a dozen pet insurance companies. Spot is the first that took the time to review my dogs records and issue reimbursement based on the information given. They were able to discern from what was a pre existing condition and a new problem. Payment is quick and timely. I have Wellness as an add on and it’s nice to get reimbursement for various vaccinations and services.

Insurer: Spot

By: TexasTutor

February 11, 2026

I'm so thankful that I purchased pet…

I'm so thankful that I purchased pet insurance! So far, Spot has covered almost half of what I've put up front, for my two cats. It's a great comfort to know I have this assistance going forward when issues may arise. It is also very easy to submit your vet's notes and file for reimbursement.

Insurer: Spot

By: Elizabeth Bewley

February 11, 2026

Straightforward

Ease of submitting the claims, very straightforward.

Insurer: Spot

By: Jonard Doniego

February 11, 2026

Timely reimbursement

Spot has processed the reimbursement for Coyote's preventive care in a timely way.

Insurer: Spot

By: Ying Ma

February 11, 2026

The company takes too long to process…

The company takes too long to process claims, loses the papers sent by the vet and then does not pay up. They raise premiums excessively. My other dog has another insurance with another company which is very good.

Insurer: Embrace

By: Judith Cole

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