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 December 24, 2025

I tell everyone I know to use Met Life…

I tell everyone I know to use Met Life if searching for pet insurance . I have been reimbursed so many times and if more information was needed they always reached out to my Vet. Very happy with this company .

Insurer: MetLife

By: Patti Clifford

Verified December 24, 2025

Very quick refund

We received our refund quickly for the service our dog needed

Insurer: Spot

By: Linda K

Verified December 24, 2025

We've been using Spot for a couple of…

We've been using Spot for a couple of years now. We had our first claim a couple of weeks ago and the process was fast and easy. Everyone was also very friendly, though most of the process was automated.

Insurer: Spot

By: S B

December 24, 2025

I claim was processed in less than a…

My claim was processed in less than a week. Thank you.

Insurer: Pets Best

By: William bossley

December 24, 2025

Protection for our four legged little friends

Unlike the experience I’ve had with some of these aftermarket car warranties Pets Best insurance has done exactly as they have described to do they take care of me when they need to and then there’s sometimes I’ll turn a claim in that they can’t pay on and that’s fine but they’ve been fair all along. I just filled a claim and was reimbursed nearly 3months dues with very little out of pocket. I think and while I don’t wish harm to anyone’s 4-legged little friend, hospital bills is where the real magic happens in terms of reimbursements.

Insurer: Pets Best

By: David Goodbary

December 24, 2025

I field claim on 10/23/25 didn’t hear…

I field claim on 10/23/25 didn’t hear back from them till 12/18/25 , and after all the wait they denied my claim as they said ear infection is pre existing condition!!!! , how can ear infection be pre existing condition… what a joke, and on the top of that u can’t get hold of someone nor login to get explanation how is ear infection is pre existing condition… I have been calling every day to cancel without any luck.. too much to deal with

Insurer: Pets Best

By: H.A

Verified December 24, 2025

Makes claims so simple and pays very…

Makes claims so simple and pays very quickly. Highly recommend.

Insurer: Spot

By: Karen Izakson

December 24, 2025

Preexisting conditions

I wanted to get pet insurance for my dog. This dog isn't two years old and is perfectly healthy. It's a Yorkie. This our second Yorkie. The last one lived 16+ years. She lost her teeth because of gingivitis. All we had to do is mention to our current vet that our prior Yorkie lost his teeth and we didn't want it to happen to the new dog. Suddenly the new dog has a preexisting condition. What a bunch of crap. But after all they are an insurance company that doesn't pay. What a surprise.

Insurer: Spot

By: Scot Woolfenden

Verified December 24, 2025

I love how easy it is using fetch and…

I love how easy it is using fetch and how fast payment is received

Insurer: Fetch

By: Kathy

Verified December 24, 2025

Great service and we were reimbursed a…

Great service and we were reimbursed a good amount!

Insurer: Fetch

By: Whitney Call

Compare top pet insurance providers plans.