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.

58,154 total


Verified January 24, 2026

My lab ruptured her cruciate ligament

My lab ruptured her cruciate ligament. Total bills were approx. $6,000. Having Pumpkin Insurance gave us 90% of our expenses. So relieved we had the insurance! Thank you for the rapid approval system. Again thank you for having that in place. A very relieved customer!

Insurer: Pumpkin

By: Ann

Verified January 24, 2026

We have been using Fetch for over 11…

We have been using Fetch for over 11 years. With our older dog we have had to submit claims due to her medical condition. It has been easy to submit claims using the app. I have been informed throughout the review process as to the status of the claims.

Insurer: Fetch

By: Dawn

January 24, 2026

Shop around first

Have this insurance for 5 years and my yearly bill went up $300 no major issues with my pet but they don't cover much. Don't pay out much $600+ health visit yearly they only pay out about$200. For what i pay i think i can get a different insurance for cheaper with at last 80-90% payout. It's a shamepost in still waiting for my claim money over a month now

Insurer: Pets Best

By: customer

Verified January 24, 2026

​Reliable coverage for my Great Dane’s hospital stay

I’ve had Fetch for a while, but I truly put them to the test when my Great Dane needed emergency care and ended up hospitalized. Dealing with a sick pet is stressful enough, but Fetch made the financial side easy. ​Claims Process: Super simple via the app. I just uploaded the medical records and itemized bills. ​Reimbursement: They processed the large claim quickly and the funds were in my account via direct deposit faster than I expected. ​Transparency: No hidden "giant breed" exclusions for the emergency care we received. ​If you have a large dog with high potential medical costs, I highly recommend Fetch.

Insurer: Fetch

By: Trish

January 24, 2026

My experience has been not positive

My experience has been not positive, I made a claim in December and I have no response yet. I’m about to make another claim but this is not trustworthy anymore

Insurer: Pets Best

By: Romynna Jimenez

Verified January 24, 2026

Smooth Reimbursement Process

Great experience! Atlas had an ear infection and the claim process was super easy. I submitted the invoice and got reimbursed quickly, which really helped take some of the financial stress out of dog ownership. Highly recommend!

Insurer: MetLife

By: lp

Verified January 24, 2026

Courteous and Professional

People we talked with on the phone were very helpful, professional, and courteous. Claims were handled in a timely manner.

Insurer: MetLife

By: Patricia Mathews

Verified January 24, 2026

Great First Experience

Buddy was given a follow up to an earlier emergency lameness issue. The claim was reviewed and satisfied in a timely manner.

Insurer: Fetch

By: Moe

Verified January 24, 2026

BLEU's recovered and he is thankful for FETCH.

Although the total cost was much more than you covered, I am still satisfied with the results and the way you handled the claims. The payment method was very good too.

Insurer: Fetch

By: WDMSR

Verified January 24, 2026

Amazingly fast turnaround and they…

Amazingly fast turnaround and they covered most of a high vet bill.

Insurer: Trupanion

By: Marie

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