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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Enrollment and claims process all online clear and easy to process..
Premiums were reasonable. The insurance and claim process is all online easy to understand enrollment and making claims. Claim processing was exactly at amount as expected.
Insurer: Spot
By: Paul
Do Your Research Before Choosing This Plan
I got this insurance through work and assumed it would be a high-quality plan. Looking back, I really wish I had done more research before enrolling. There are many better options available with significantly stronger coverage. My 6-year-old cat was recently diagnosed with cancer. While this plan reimburses 70% of eligible expenses, the annual reimbursement cap is only $7,500. Unfortunately, that amount does not go very far when chemotherapy treatments can easily exceed $20,000. Since then, I’ve seen many other plans offering 90% reimbursement and annual limits as high as $100,000. My advice to anyone considering pet insurance is to carefully compare plans before committing. Not researching my options more thoroughly is my biggest regret. Now, because my cat has a pre-existing condition, switching providers is no longer a realistic option.
Insurer: Nationwide
By: Crissy
Thank You for a Little More Time with My Boy...
I have had Fetch Pet Insurance for approximately 5 years for my baby boy Frankie (Tuxedo Cat). Everything was fine, until it wasn't. In June of 2025 Frankie was diagnosed with CHF (Congestive Heart Failure). Not only did the staff at Fetch go above and beyond to help me file numerous veterinarian and cardiologist claims, they were informative, compassionate, and truly made me feel better at a time of extreme distress on my end. Believe me, many of the calls, I was in tears knowing Frankie's lifespan was going to be cut short, with the Cardiologist giving him a year to a year and a half to live. The bills were astronomical!! If it wasn't for Fetch I would of had to put him down almost immediately... I just couldn't afford it. So, I thank you Fetch for being a wonderful company in every way whatsoever, claims are easy, refunds are quick and customer service is GREAT!! Again, I thank you and Frankie thanks you too for giving me and him, just a little more of our special time together!
Insurer: Fetch
By: Donna
Avoid this company, they are not honest
This company will do anything to avoid paying a claim. They constantly come up with ways not to pay. They took my money for 1 1/2 years and never paid a claim. terrible, terrible company. Do not take a policy
Insurer: Embrace
By: ROBERT SMITH
Great plans, app is easy to use!
The app is super easy to use, and customer service and processing of claims are both great. My only regret is not starting the plans when my dogs were younger, but I've appreciated SPOT!!
Insurer: Spot
By: Jo J
My 13-year-old Golden recently had…
My 13-year-old Golden recently had surgery for a splenectomy plus a cancerous thyroid removal at the same time. I had been considering stopping her insurance a few months ago because I didn't think I would move forward with any major surgeries or treatments at her age. I'm so glad I didn't, because even though she is 13, she is active and healthy. She did extremely well with the surgery and will likely have another one for her lung, also. You'd never know she wasn't just 7 years old. I would not have been able to do the full cost of the surgeries (over 11K) on my own, but Healthy Paws paid over $8,000 (70%) of that, making it possible. I filed my claim a few days after the surgery and the reimbursement was in my account within 2 days.
Insurer: Healthy Paws
By: Connie McCabe
Helping Me Give My Cat the Care He Deserves
I’m deeply grateful to PetsBest for making it possible for me to diagnose and treat my cat’s recent illness with the care he needed. Without the reassurance that PetsBest would reimburse a significant portion of his veterinary expenses, I could not have afforded the testing that enabled his veterinarian to properly diagnose and treat him. Although he is living with a chronic disease, ongoing bloodwork monitoring and medication adjustments are helping him feel as well as possible. Without this insurance, I simply would not be able to provide the level of care he needs and deserves. Because of my experience, I will never have an animal companion who is not covered by PetsBest. When my son and his girlfriend adopted two kittens, I encouraged them to insure their cats as well. I believe we have a responsibility to provide proper medical care for our pets, and PetsBest has consistently helped me do that for the seven cats I’ve been fortunate to share my life with since the mid-1980s.
Great company!
My husband and I have been very happy with Spot Insurance for our dog. Every claim has been processed timely and accurately in relation to the policy we purchased. The claim submission process is easy with bills and office notes uploaded online with no difficulties and payment received in a timely manner!
Insurer: Spot
By: Vicki D.
My pup was very sick and needed a Dr…
My pup was very sick and needed a Dr like NOW. Fetch insurance was My peace of mind went in a panic state. I knew that my deductible would be made and that everything following would be covered. It was super easy with the app to file claim.
Insurer: Fetch
By: Dawne Bogner
Great Rates, Terrible Customer Service
I was recently in an accident. The adjuster assigned to my claim has been very difficult to communicate with. Had she provided all the information on the process during our original communication, the process could have moved along much quicker. Instead I was receiving tidbits of information on the process, and then waiting anywhere from 2-9 days for a response. I wasn't provided a list of shops until a week before my rental expired. When I asked for an extension on the rental it was denied. Along the way, I have been asked by the adjuster to basically do their job, call the shop, set up the appointment, contact the tow yard. The whole situation has been extremely stressful, and now I am out-of-pocket for the rental, after finally having my personal vehicle released, only to find out that the shop I chose from the list of shops provided does not accept undrivable vehicles, when it was clearly stated to the adjuster before making the selection that my vehicle was in fact undrivable. Not only has dealing with my claim been stressful, but now the whole situation is affecting me financially, and from what my adjuster stated there is nothing they can do because the time for rental coverage has expired, even though the process is why this has taken so long.
Insurer: Sonnet
By: Jason Lewis