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 03, 2026

Great experience and coverage

I have had a great experience with Fetch. Shortly after getting both my cats insured, one of them developed bladder stones and had to have surgery to have them removed. Fetch covered 90% after my deductible which was several thousand dollars. Last month one of her teeth broke and she needed unplanned dental surgery. Again, Fetch covered her $2000 dental bill at 90%. It has more than paid for itself and quick reimbursement within 2 weeks! I have recommended to several of my co-workers, especially because of dental coverage.

Insurer: Fetch

By: Melissa

March 03, 2026

We bought pet insurance for our 8 year…

We bought pet insurance for our 8 year old cat. MetLife refused to pay ANYTHING for our visit, due to a "pre-existing condition" of gastritis. They wouldn't pay for a routine lab panel for an elderly cat, fecal test, nothing. We paid over $900 for insurance, and got zero for this. I didn't trust they would ever pay for anything so we cancelled.

Insurer: MetLife

By: christa rybczynski

March 03, 2026

15 years of excellent service!

We have been with Embrace since 2011 when we adopted our first Lab mix. From the start, Embrace has been quick to cover every expense without any questions. Our first dog, died from a brain tumor and our current Lab mix from Houston, has had multiple health issues that have amounted to thousands of dollars! His primary vet calls him the million dollar dog! It has been reassuring to know that Embrace has supported our dogs' health every step of the way!

Insurer: Embrace

By: Kate

March 03, 2026

Outrageous Premium increase

I was always satisfied with Fetch. Customer service is very good and claims were paid on time. I haven’t had a claim in well over 3 years and always felt the annual increases were tolerable until now. Last years premium was 712.00, for the next premium it was quoted at 2,140.00 for a 6 year old healthy female dog. Clearly this is price gouging and needs to be addressed. I filed a complaint with the NYS Attorney General and hope some action is taken. I got a quote from an equally reputable conduct for 775.00 Why is there such a huge increase from Fertch?

Insurer: Fetch

By: Michael Fijal

March 03, 2026

I don’t recommended !

I don’t recommended ,all my claims was denied after a year of monthly payments. They try very hard to make any issues that the pet had in the past to connect with the present issue or future issues so your claim gets denied. Waste of money.

Insurer: Fetch Canada

By: Larissa Santos

March 03, 2026

Best Decision!

It has been a hard year for us as pet parents. We lost one our sweet girls way too early and not 2 weeks later our other 2 got hit with a nasty upper respiratory infection. Pets Best has been absolutely wonderful! Filing my claims has been extremely easy and customer service is always kind and patient with my questions. When I had to call to remove our girl from the policy the rep was so compassionate, she made the process seamless and filled a hard moment with so much kindness. It's definitely a relief to have pet insurance but it's a blessing to have Pets Best!

Useful
March 03, 2026

Unexpected injuries happen all the…

Unexpected injuries happen all the time. Fortunately, having the right insurance on your side is the must. I am very pleased with the Pets Best insurance service that helped me a lot financially in my situation.

Insurer: Pets Best

By: Delger Nanzad

March 03, 2026

Karley was so helpful

Karley was so helpful. She guided me through all the coverage tiers and also with the website. Because of Karley my puppy Ollie now has added coverage with Advantage. Thanks Karley!

Insurer: Fetch Canada

By: Diane Arbour

Verified March 03, 2026

Easy to use Site/app

Easy to use Site/app. Great coverage for the right price. Easy as eating cake.

Insurer: Sonnet

By: Mark West

Verified March 03, 2026

Excellent Pet Insurance

We’ve had ASPCA pet insurance for our English Bulldog since we got him at eight months, and they are so quick to respond to our claims. And their app is so easy to navigate.

Insurer: ASPCA

By: Ann M.

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