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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Simple and easy!
The claim filing experience was very simple, and the submission was approved quickly. The money (minus our deductible and co-insurance) was on the way shortly thereafter. Having this pet insurance in place creates great "peace of mind" for us. Thank you Fetch!
Insurer: Fetch
By: Ryan
Very pleased with our insurance
Very pleased with our insurance. They are very quick to process a claim and they inform you of the process . Definitely recommend MetLife insurance!
Insurer: MetLife
By: Catalina Demoore
Quick response and reimbursement
I downloaded the invoice and sent it and was sent an email right away it was received and would be reviewed within 15 days. I then received an email within 7 days and was told I would have my reimbursement with 3 days and it was there that day. Thank You! I can only hope all transactions are that quick and easy.
Insurer: Fetch
By: Brenda
We had an emergency room visit with my…
We had an emergency room visit with my dog for his back problem. The claim process was very straightforward. I emailed them my itemized bill from ER, medical history from our vet, set direct deposit to my bank account and in two days I got reimbursed. Definitely would recommend Spot.
Insurer: Spot
By: faina
UNABLE TO SUBMIT CLAIMS
I have been with Pets Best for 5 years without any issues until this month. My dog needed eye surgery and I have been unable to submit any claims for this surgery. I have tried calling customer service and keep getting stuck in menus until the system hangs up on me, I've emailed claims@petsbest.com & customerservice@petsbest.com with no answers. I've tried submitting through the website AND app. NOTHING. I'm now leaving bad reviews and terrible survey results in order to get someone's attention to help me. Expensive surgeries like this are the main reason I have pet insurance so the fact that I can't use it for this makes me extremely upset. PLEASE RESPOND.
Not having to worry about the financial piece of a hard situation makes it easier
My girl has been battling cancer (and winning thankfully) and we have unfortunately had to use our insurance frequently. Pets Best has been fair in their resolution of the claims and the explanation of benefits is easy to understand. Sometimes the claims take awhile for reimbursement, but I've found they rarely take more than a month. Having insurance I can count on has made this battle much easier as I know the financial burden isn't as great as it could be. I have recommended Pets Best to many friends.
Stay away from Healthy Paws
I have had multiple dogs insured by several companies. I would stay away from Healthy Paws. They have he weakest coverage of the unlimited policy carriers. However, far worse is their bait and switch model. They may be the cheapest unlimited policy one can find for a young dog but by the time it reaches 7 years old this will be by far the highest priced policy of any of them. It seems they are trying to force older dog’s policies to be cancelled and many are. They were the subject of a class action lawsuit that was settled because of this bait and switch model and if we are all lucky they will be sued again. Trupanion is a probably the best choice, they are a little higher to start but the rise with age is steady, it doesn’t double and triple like Healthy Paws, so by the time they are old it’s going to be far less. There are other companies with unlimited policies as well that can be trusted, but not Healthy Paws.
Insurer: Healthy Paws
By: Dog Art
I was always told that pet insurance…
I was always told that pet insurance would try and avoid coverage at any cost but my experience with Healthy Paws has been the opposite. I recommend them to everybody looking for pet insurance.
Insurer: Healthy Paws
By: Isaac Gunderson
🚨 PET OWNERS PSA 🚨
READ BEFORE YOU SIGN UP WITH FETCH I have been a Fetch customer for several years, including coverage for previous pets, & I have consistently accepted reasonable annual increases tied to inflation & my pet’s age. My dog, Gabi, is a 4-year-old mini Goldendoodle & still very young. My annual premiums were $432 in 2022, $640 in 2023 (+48.15%), $653 in 2024 (+2.03%), & $784 in 2025 (+20.06%). While not insignificant, those increases were acceptable. However, note the 48% increase as soon as my puppy turned one year old. Fetch has now proposed increasing my 2026 premium from $784 per year to $2,074 per year, a 164.5% year-over-year increase. Even accounting for “market pressure & rising veterinary costs,” this is extraordinarily difficult to justify. My veterinarian has not increased prices in years, & if they did, it would be a reasonable, transparent adjustment, not corporate-style gouging. 🤯 What makes this even more alarming is that this $2,074 amount is intended to become the new baseline for all future increases. My dog is only 4 years old. This is not a one-time spike. It resets the policy at a dramatically higher starting point, ensuring every future increase compounds from an already inflated number. You may be wondering why my screenshot shows $2,571.59 annually. I removed the optional wellness plan, which costs $425.56 & was added for 2025 only. Even after removing the wellness portion, my new rate is still 164.5% higher than what I paid this year, going from $784 to $2,074 in 2026. I am not looking to reduce coverage. I am looking for fair & ethical pricing. Don’t be fooled by the low entry cost. Fetch, like all pet insurance companies, does not cover pre-existing conditions. I started my dog with Fetch as a puppy, & she later required knee surgeries. Switching providers becomes extremely difficult because those conditions would not be covered elsewhere. This makes it clear the strategy is to bring customers in early at a lower cost, then raise rates dramatically once leaving becomes far more complicated. Understand that my dog’s injuries stemmed from a single accident at a dog park, where she collided with another dog out of excitement, resulting in a luxating patella. The second knee required surgery shortly after, which is common in dogs, as one knee compensates for the other & can then develop issues. This is not a recurring or ongoing condition. She has two knees, both surgically repaired & stable with pins, & no continuing problems. I should not be punished with lifelong, excessive premiums for an isolated incident that occurred early in her life. I also had my previous dog, Cooper, insured with Fetch & trusted that I could insure Gabi with you as well. That trust is now being taken advantage of. I am not a high-risk policyholder simply because my dog had knee injuries, yet I am being punished with this new premium. That is not right. Framing a 164.5% increase as “no matter the cost” feels like a guilt-based message while I am being taken advantage of. To Fetch: You attract customers with low introductory pricing, & once a pet experiences an injury or illness that is covered, switching providers becomes nearly impossible due to pre-existing condition exclusions. At that point, premiums increase dramatically, leaving customers with little practical alternative. I request this increase be reviewed & escalated to the policy underwriter. A 165% increase in one year is totally unreasonable. I understand you’re a business, but a phased increase over time would be far more reasonable than imposing a single, drastic spike like this. This increase becomes the new baseline, leaving me permanently paying premiums that are unfairly inflated and financially punishing. There will be, God willing, many years where Gabi has zero issues & no claims whatsoever, but one early-life incident should not define or penalize me for every year I am blessed to have her. Penalizing me this way is unjustified. You would have earned plenty over time without resorting to this kind of gouging.
Insurer: Fetch
By: Melissa
Timely Payment
Heathy Paws always pays the reimbursement checks fast.
Insurer: Healthy Paws
By: Joel Adams