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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The ease of submitting a claim is…
The ease of submitting a claim is excellent.
Insurer: MetLife
By: Patrick
Extremely Disappointing and Misleading
I am beyond frustrated with Fetch Pet Insurance. After carefully reviewing my policy before purchasing, I was led to believe my dog would be covered as of the policy’s effective date (November 1, 2025). That turned out to be completely misleading. When I submitted my first-ever claim for a vet visit on November 10, 2025, Fetch denied it, citing a 15-day illness waiting period that was never clearly disclosed upfront and only emphasized after my claim was denied. They then stated that any illness diagnosed during this waiting period is automatically considered pre-existing, even if the pet had no prior history. Let that sink in, you pay premiums from day one, but illness coverage is essentially useless for the first 15 days and anything found during that time is permanently excluded. What makes this worse is the exhausting back-and-forth with representatives, inconsistent explanations, and the burden placed entirely on the customer to prove coverage — even when quoting their own policy language and page numbers. Reassessments are slow, communication is unclear, and the process feels intentionally designed to wear customers down. This experience has completely destroyed my trust. Insurance is supposed to provide peace of mind, not fine-print loopholes that leave responsible pet owners paying out of pocket after doing everything right. Strong warning to other pet owners: Any illness-related vet visit during the first 15 days will be denied and those conditions may be labeled “pre-existing” forever. Very disappointing. I regret choosing Fetch.
Insurer: Fetch Canada
By: Jade Canonizado
The claim was easy to fill out
The claim was easy to fill out, and it came back in a reasonable amount of time
Insurer: Fetch
By: William
Spot pet insurance!
Quick response and resolution to claims submitted.
Insurer: Spot
By: Edwina King
This company keeps its word by…
This company keeps its word by protecting my two dogs when an emergency occurs. The monthly payments may seem pricey. But when you need the pet insurance to count on, there have been no disappointing decisions on there part.
Insurer: MetLife
By: Saundra Grillo
Helpful with making changes without…
Helpful with making changes without issues, claim was done peacefully, and I’m happy to have the insurance. But, for those who are unfamiliar, a lot of us give pets our last name. It’s like having a child.
Insurer: MetLife
By: ASHLEY DAVIS
So easy to submit claims and payment it…
So easy to submit claims and payment it quick!
Insurer: MetLife
By: customer
Easy and fast claims process
Easy and fast claims process
Insurer: MetLife
By: customer
Claim paid within 12 hours only because…
Claim paid within 12 hours only because it was submitted after hours. That’s a big plus.
Insurer: Pumpkin
By: Cathy
The coverage you can trust.
MetLife Pet always provides the care that we want for our pets. Great customer service and quick claims. We recommend them to everyone.
Insurer: MetLife
By: Jennifer Perez