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


January 17, 2026

Horrible!

Horrible!! I had two claims with them and it took them over a month to pay them out. Additionally, they continually asked me for the same documentation several times. When I would call to inform them that I had already sent in the medical records they would tell me that they need something else (something I had already sent in). The on hold times would sometimes be over 45 min! The way the claims were paid out doesn't make sense to me, I've worked in insurance billing for years and have an extensive knowledge in how claims are calculated and it doesn't make sense to me how they paid out my claim (shorting me over $100). All in all, bad experience and cancelling my account.

Insurer: Pets Best

By: Missey Chavez

January 17, 2026

Nothing is covered

Nothing is covered. Read closely deductible is for each thing. So every time you bring him in for something different $250 starts over. If my cat lives 10 years and goes to vet 1 time a year. I pay well over 10K for insurance. Been to vet 2 times not 1 thing was covered

Insurer: Trupanion

By: Andi J Ellis

Verified January 16, 2026

Easy to submit claim

Easy to submit claim. Fairly fast processing and turnaround. Good explanation of benefits

Insurer: Spot

By: Madeline

Verified January 16, 2026

I've filed a few different claims

I've filed a few different claims. It took some trial and error at first trying to see what I needed to submit with my claim. When I didn't submit everything they needed to process the claim, they told me what else I needed. Once I got the vet notes and an itemized invoice they processed and approved my claim in a few days!

Insurer: Spot

By: Chloe Johnson

Verified January 16, 2026

Easy Claims!

The claims have been very easy to file, great instructions on what to send for the claim. No issues what so ever!

Insurer: Fetch

By: Pauline

Verified January 16, 2026

Very quickly processed claim

Very quickly processed claim

Insurer: MetLife

By: EVANGELOS EPITROPAKIS

Verified January 16, 2026

They where fair

They where fair! It was nice to get 80 % PERCENT BACK now my dog is getting older glad to have them !

Insurer: Spot

By: Gregory Lund

Verified January 16, 2026

Super quick turn around time and…

Super quick turn around time and response, with clear details

Insurer: Embrace

By: Katie

January 16, 2026

Samantha was knowledgeable

Samantha was knowledgeable, patient and very willing to listen and understand the mixup. With her guidance and help I was able to send the documents Fetch needed to understand my claim.

Insurer: Fetch

By: lori.olsen

Verified January 16, 2026

Turn around times have greatly improved…

Turn around times have greatly improved from last year. Thank you

Insurer: MetLife

By: Frank Tedescucci

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