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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Outrageous increased premiums after illness
As my dog aged, insurance premiums increased, as most pet insurance does. However, when my dog had a medical issue after 10 years with the insurance, the premiums almost doubled (to $400/month in 2025). Most shockingly, my dog didn’t require surgery, nor any expensive treatments or tests (analgesics and crating only), just several visits to the vet. Now, I can’t switch to another insurance because she has a pre-existing condition. Fetch doesn’t work like a true insurance, in which the risks are distributed amongst the insured pool, they get their money back from you in the subsequent months. They can do that because you are now trapped with them due the pre existing condition
Insurer: Fetch
By: CMB
Rate Increase
My dog was diagnosed with hip dysplasia when she was just under 5 years old. She was born in 2016. I am a Certified Canine Practitioner & was working at that time. I had signed up for insurance previously. My policy covered major illnesses plus acupuncture & physical therapy, including laser treatment. It did not cover routine care. Since I was working, I was able to treat her hip dysplasia without billing her insurance until 2021. From 2021 to 2024, insurance paid 80% of her meds and laser treatment with reasonable increases in monthly payments. My dog turned 11 in October of 2024 and then I received a notification that her payments would increase from $117 to $ 203.00 per month. I consider this to be excessive when nothing had changed except her age. My conclusion could only be that Pet's Best did not want to fulfill their obligation to pay for her care unless they could charge me an outrageous fee. I canceled the policy and would not recommend them under any circumstances.
The Metlife App has great step by step…
The Metlife App has great step by step instructions on how to make a claim. My dog had a medical emergency. I submitted the claim, and was amazed at how quickly they responded, and gave me options of receiving payment.
Insurer: MetLife
By: Adriana
very fast response to my pet's claim
very fast response to my pet's claim
Insurer: Embrace
By: Glenn
Very quick payments
Very quick payments. Easy to submit claims
Insurer: MetLife
By: Sue L
They will do everything they can to…
They will do everything they can to avoid paying you and ripping you off
Insurer: Figo
By: Cole
Great support
Great support. Claims paid quickly. Thank you
Insurer: Pumpkin
By: Debra
Excellent
Professional. Responsive. Reliable. Excellent coverage with very good reimbursement options. Fast reimbursement (automatic deposit). It has been a real pleasure, so far, working with Spot Pet Insurance!
Insurer: Spot
By: Laura Walker
Very easy to put my claims in.
Very easy to put my claims in.
Insurer: Spot
By: lori simone
great insurance cover
great insurance cover, very easy to submit claims,s and very prompt to reimbursement
Insurer: Figo
By: Nelson Guevara Jr