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.

61,181 total


March 11, 2026

thumbs Up for Pets Best

"The process is so easy and the responses are very detailed. We really believe we have gotten exactly what was promised when we started our policy. Sumitting a claim is fast and easy! Thanks. "

Useful
March 11, 2026

TRY ANOTHER COMPANY, FETCH IS NO LONGER WORTH IT

The first year I had Fetch insurance it was great. Fair coverage, clear EoBs, good customer service. The second year it all went the other direction. They rejected many claims, their EoBs are cryptic, and the cost skyrocketed. I have not gotten a fraction of the payouts I should have. When I tried to cancel, they rather bullied me, in the most pleasant way [read: manipulation], to continue. TRY ANOTHER COMPANY, FETCH IS NO LONGER WORTH IT

Insurer: Fetch

By: Dody Riggs

March 11, 2026

Support for Diagnosis

My husband and I were questioning keeping pet insurance and our dog started having seizures. We had to pay a significant amount out of pocket for her testing and were so grateful to be reimbursed for a substantial portion of the bills by having our pet insurance. We will be keeping it in place and grateful for the support from Pets Best!

Insurer: Pets Best

Veterinarian: Brookfield Veterinary Hospital

By: Rachel

Useful
Verified March 11, 2026

Really great pet insurance

When I found out my dog had to get an emergency tooth extraction and that they may have to take out many more teeth, I was so stressed and after seeing the estimate…I was crying because I was unsure how I’d pay. But he is my dog, my heart and even if meant putting it on credit cards and maybe not get reimbursed by insurance, I scheduled it. I knew he was in pain and I couldn’t even imagine how it felt for him! The whole process was stressful and really emotionally draining. When I submitted all my documents to MetLife, I hoped for the best! Thankfully after a few days of waiting and calling, I received reimbursement and through Zelle! It came right into my bank account and I was able to pay off 80% of those bills after my deductible! Thank you so much MetLife! I am so happy I chose this insurance and that my dog is happy and healthy and healed very well! Such a smooth and easy process.

Insurer: MetLife

By: Gabbie

March 11, 2026

No Hassle Claims

"Once again, my claim experience was simple and settled as promised. In several years of having pet insurance with Pets Best, I have never had a problem or been disappointed! I have recommended Pets Best to many friends and have never received negative feedback. Thanks Pets Best for being a company that carries through on their promises. "

Insurer: Pets Best

Veterinarian: VCA Ho-Ho-Kus Animal Hospital

By: Joe

Useful
March 11, 2026

Excellent - 2 seperate claims for 2 fur babies

I recently had to make a claim for both of my babies. Fetch were very quick to process our kitten Tilly as we have had her insured since she was a kitten. Lily our British Shorthair we have only had her since she was almost 2. Lily’s claim related to dental work and initially it was refused due to issues with her records. Once our vet provided the records they were quick to process the review of Lily’s claim. While the process was at times frustrating the customer service was exceptional. I dealt primarily with Leanne. I feel relief. I feel safe knowing that both our babies are protected ❤️ I strongly recommend. I will be staying with Fetch ❤️ incredible. Thank you so much

Insurer: Fetch

By: Tess Li

Verified March 11, 2026

Excellent app and easy to use claim…

Excellent app and easy to use claim process

Insurer: MetLife

By: Maritza

March 11, 2026

Highly Recommend Embrace

Well, after filing 3 claims for a total of $6549 for my cat’s intestinal blockage, I patiently waited for the 30 day wait period on a first filed claim. I have an unlimited policy covering 90% of the costs. I have to admit that after reading some of the negative reviews on here I was worried that Embrace could possibly reject my claims even though I followed all the rules and regs in regard to medical history and what’s covered and what’s not. Exactly 30 days later my claims were all processed, approved and completed and 3 business days later $5680 was deposited into my bank account. What a pleasant surprise Embrace truly is. If you follow the instructions you have no issues with your claims. All the different reps I spoke with were truly empathetic, knowledgeable and easy to get hold of. Embrace was everything I was hoping for when I purchased my policy!!! I highly recommend this insurance as vet bills can add up quickly!!

Insurer: Embrace

By: Erik Radcliffe

Verified March 11, 2026

I am so grateful for Healthy Paws

I am so grateful for Healthy Paws! My little Fiona was diagnosed with cancer two years ago. Without insurance, I don't know how I could afford to pay for her regular oncology visits and cancer meds. Fiona recently had a gallbladder infection and was in the hospital for 2 days. Her stay was so expensive and would have been a huge financial burden without insurance. As always with HP, my claims were promptly submitted and I received a reimbursement within a couple of days. Fiona is doing great with her treatment and I'm so thankful we can continue her medical care with help from Healthy Paws Insurance.

Insurer: Healthy Paws

By: Tracey Robinson

Verified March 11, 2026

MetLife is fast in closing the claims…

MetLife is fast in closing the claims and very responsive.

Insurer: MetLife

By: DJ

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