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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This is the first time I have Fetch Pet…
This is the first time I have Fetch Pet Insurance for my pup. It was rather confusing at first maneuvering through the site. Still is a little confusing when submitting a claim however I must be doing something right. Claims are processed in a timely manner and refunds are deposited to my bank. I called customer service once in the past year and was not pleased with the agent.
Insurer: Fetch
By: Whitewitch
Trupanion is amazing
Trupanion is amazing. Their customer service is best in class. They make the claims process so easy and are very straightforward on the reimbursements.
Insurer: Trupanion
By: Rachel
My golden ate an onion
My golden tornado jumped up on the counter when we weren’t looking and ate a huge slice of Vidalia onion. Her breath confirmed it. The vet told us to come in right away. They induced vomiting, gave her fluids, took blood, and then gave her anti nausea medication. After we met the reasonable deductible, Trupanion covered all but the emergency vet charges. We will have follow-up bloodwork to rule out kidney or liver damage. But the vet believes they got all the onion and she will be fine. 😫
Insurer: Trupanion
By: Carla Faust Bare
Quick pay outs but be careful in…
Quick pay outs but be very careful in giving your information or they will change things on you. I joined in the spring of 2019 and when you start you have to give all the proper information. On asking about which breed my dog is, there was no listing for it. My dog is a Puggle and there was no listing for that breed. There was pug and beagle. So I had to choose "small mixed breed". never heard anything about it. Did not make any claims for over five years. Fall of '24 and summer of '25 I had to make two small claims and they paid out with no problem. Suddenly fall of '25 they become "aware" of what breed my dog is, even though all of his records state his breed on it that I gave them a long time ago. Once I verified with them what his breed is, suddenly they changed my terms from $250 deductible/80% reimbursement to $500 deductible/70% reimbursement saying they would never have given the other payout numbers if they knew that he was a puggle. So yes they seem to review and pay out quickly, but be very specific everything that you do with them.
Insurer: Healthy Paws
By: Andrew Roberts
Spot Pet Insurance is spot on!
It took my dog getting sick to realize what a jewel we have in Spot Pet Insurance. Every claim that I filed was acted upon promptly and I received the compensation that I expected. There was 1 claim that was not fully paid at first, but after I called and explained the situation, that claim was reopened and compensation was paid. I hope I never have to use this insurance again, but am so glad that we have it.
Insurer: Spot
By: GS
Do not recommend
Was told claim process was 3-5 days when I signed up in January. Then when I had to take my cat to vet in April I submitted claim waited months only to be denied. When I called they said it was because they needed all vet records (which they have) and first claim takes longer. Was told it would be "pushed to the top of the pile" and now it's July 10th and can't even get a response to email sent 15 days ago.
Insurer: Pumpkin
By: customer
PetsBest was a lifesaver for a recent…
PetsBest was a lifesaver for a recent unexpected illness for one of our pups, which required an overnight at the ER. Knowing we had PetsBest support allowed us act quickly and make sure our pup got the care he needed to bounce back quickly. Our claim was reviewed promptly and fairly. Very glad we are with PetsBest to support our family.
Insurer: Pets Best
By: Tom Wentworth
They made it simple to submit a claim…
They made it simple to submit a claim for my dog.
Insurer: Spot
By: Thomas Desillier
Very easy process
Very easy process. My WIFE'S cat Louise was injured after being chase under a metal fence. This really helped with the vet bill. Thank you
Insurer: Spot
By: Bill Quinn
Very easy to file a claim
Very easy to file a claim. Rapid response to claims submitted. Decisions were made very quickly.
Insurer: MetLife
By: customer