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.

58,461 total


Verified January 09, 2026

Very prompt in processing your claims!!

Very prompt in processing your claims!!

Insurer: Spot

By: Carol Hawkins

January 09, 2026

Financial Support when you need it

My overall experience has been positive. My claims have been paid timely. There was a period of a few months where PetsBest was updating software and it did seem the claims took about a month to process. When my claim has been denied I followed up with needed information (due to a newly adopted pet) and then claim was processed. I did a TPLO surgery on one of my dogs and was very please at the processing time and reimbursement. I have one pet on maintenance medication and have had no issues with claims being processed. I went 2 years having no need to process claims and then this last year we have had several needs and I have grateful to have this for my 3 dogs so I can make quality of life decision without having to heavily weigh in cost as I know after deductible I'll start to receive reimbursement. I recommend this company. My overall experience has been positive. My claims have been paid timely. There was a period of a few months where PetsBest was updating software and it did seem the claims took about a month to process. When my claim has been denied I followed up with needed information (due to a newly adopted pet) and then claim was processed. I did a TPLO surgery on one of my dogs and was very please at the processing time and reimbursement. I have one pet on maintenance medication and have had no issues with claims being processed. I went 2 years having no need to process claims and then this last year we have had several needs and I have grateful to have this for my 3 dogs so I can make quality of life decision without having to heavily weigh in cost as I know after deductible I'll start to receive reimbursement. I recommend this company.

Insurer: Pets Best

By: Robin Moreland

Verified January 09, 2026

Claims process is easy and efficient

Claims process is easy and efficient. Processing is fast and fair.

Insurer: Spot

By: Yvonne Whittier

Verified January 09, 2026

Painless & Simple

Unfortunately, we had to use our pet insurance, but Spot has made it painless and simple.

Insurer: Spot

By: customer

Verified January 09, 2026

Everyone seemed to jump on board when…

Everyone seemed to jump on board when just recently finally used Fetch. My Yorkie was very sick the bills were piling up into the Thousands. Thank goodness I invested in Fetch. My rep Amy walked me through the process to get reimbursed and was so very helpful to me. I highly recommend Fetch to anyone out there that is considering insurance for their pet.

Insurer: Fetch

By: Marie T EISENHAUER

Verified January 09, 2026

easy to navigate and clearly explains…

easy to navigate and clearly explains coverage

Insurer: MetLife

By: Nancy Christensen

Verified January 09, 2026

Terrible follow-up and pure lack of customer respect

I have been a long time pet policy holder at Nationwide. Apparently they changed the structure of their policies and although I agreed to the new terms, the policy renewal payment was not processed. I never received any notification of the lapse and when I discovered this, I contacted Nationwide to follow-up. They treated my pet as a new policy holder and had no consideration for me even though my second pet had coverage. BTW - their coverage is awful

Insurer: Nationwide

By: Patricia Jacobs

Verified January 09, 2026

We love Spot Pet Insurance!

I truly cannot believe how easy it was to work with Spot Pet Insurance. They make it extremely easy to make claims and have a quick turnaround time.

Insurer: Spot

By: Mindy Wong

Verified January 09, 2026

I filed my first claim

I filed my first claim. The claim was easy to file. They were quick and efficient. I forgot I had a $500 deductible and 70% rate so I received $1125 back from a $2200 claim within a week.

Insurer: Spot

By: Deborah San Juan

Verified January 09, 2026

Insurance Claim

The process to file my claim was quick and easy. And the reimbursement was very quick! Thanks for the great customer service!

Insurer: Fetch

By: Dave

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