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 12, 2025

Quick and Painless

The entire process was quick and painless. Fetch covered exactly what my plan stated minus my copay and deductible. They also give you an itemized description of each covered incident and deposit the money directly into your bank account when you sign up. Very pleased and so is our new family member.

Insurer: Fetch

By: Christian Barrows

Verified December 12, 2025

My claim got processed very quickly

Easy and smooth to make a claim. And fast response to my claim.

Insurer: MetLife

By: customer

Verified December 12, 2025

It was so easy to submit a claim…

It was so easy to submit a claim through the app, and we received our reimbursement very quickly!

Insurer: MetLife

By: customer

Verified December 12, 2025

Reliable and Fair

MetLife Pet insurance is worth the peace of mind, because I have a bunch of pets and accidents and unexpected illnesses happen. They reimburse according to the policy in a reasonable time. Thank you!

Insurer: MetLife

By: Kim B

December 12, 2025

Paid for the wrong claim

Submitted a claim and they processed it as a different claim with a smaller payment. Their mistake, but they refused to pay the difference until it gets processed again. 3 weeks.

Insurer: Pets Best

By: Brian Russom

December 12, 2025

MetLife Pet Insurance is not honest

MetLife Pet Insurance is not honest. They will take your money and find every excuse to deny your claim. Do not use MetLife Pet Insurance! First they will say it’s past the time period. Then they’ll say it’s not prescription food when receipt clearly states prescription food for medical necessity. Then they’ll say prove it’s prescription after the receipt clearly states it is and is directly from vet with vet letter head. Even after getting a note from vet stating it’s prescription food they’ll deny. They say it’s pre existing and not covered. My policy states prescription food is covered and I was verbally told it would be covered. MetLife pet insurance will find an excuse (in some way) to not uphold their end. It’s better to save your money. I spent $10k with them and they wouldn’t process a minimal amount of prescription food purchases directly from my vet when the policy clearly is to cover it.

Insurer: MetLife

By: Sarah

Verified December 12, 2025

Claims were easy to file and quick…

Claims were easy to file and quick reimbursement appreciated!

Insurer: MetLife

By: customer

Verified December 12, 2025

Response and tracking of claims

Response and tracking of claims

Insurer: MetLife

By: customer

Verified December 12, 2025

Healthy Paws claim process…

Healthy Paws had excellent claim starting information on the home page. What was not covered on the home page was quickly relayed through email by customer service. The claim was quickly reviewed and approved with limited additional information needing to be sent. I can not thank Healthy Paws enough for their help and understanding during this trying time.

Insurer: Healthy Paws

By: E. Orozco

Verified December 12, 2025

Easy Claim Submissions

Spot makes submitting claims so easy and their pricing is also very affordable. I’ve had a great experience with Spot.

Insurer: Spot

By: T McFadden

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