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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Beware preexisting condition loophole and excuse
I purchased a dog with benign asymmetric testicles and neutering was not recommended at that time. Months later one testicle enlarged significantly. Spot denied the coverage based on a prexisting condition. The neutering was not recommended or planned initially and was only pursued based on substantial enlargement that occurred well after coverage. I would avoid this company whose top priority is finding reasons to avoid coverage. I was warned but didn't heed the warning about their use of preexisting conditions to justify non payment of a new illness.
Insurer: Spot
By: customer
I insured a 6 month puppy just over a…
I insured a 6 month puppy just over a week after adopting from a shelter. There is a waiting period for the insurance to start. The second day after the accident portion of the coverage began my puppy passed a bloody bundle of sticks and needed to be hospitalized. Embrace will not cover it as there was no specific incident in which he ate a stick (he was just crazy about eating everything after being in the shelter his whole life and it was a constant battle). I know all insurance companies make their money by denying claims but this company aligned itself with USAA and I expected the same level of quality and service. They are nothing like USAA...
Insurer: Embrace
By: Thor Uremovich
The process of making my claim was…
The process of making my claim was seamless and I received my reimbursement within a few days. I’m very satisfied.
Insurer: MetLife
By: Louis Despres
Best pet insurance
Best pet insurance. Fast refund.
Insurer: Pets Best
By: Nela Duriacova
It is easy to submit claims
It is easy to submit claims. The only issue I had was having a claim denied that shouldn't have been, but it was easily resolved by a phone call and a form for the Dr. to fill out to verify the injury was not related to a preexisting injury. Great coverage options and affordable monthly pricing.
Insurer: MetLife
By: customer
Happy new client!
I’m new to Fetch pet insurance and recently moved to Florida so I had to get a new vet too. After submitting invoice & medical records, I was reimbursed promptly. Fetch truly makes vet visit far less stressful concerning the expense! Thank you!
Insurer: Fetch
By: Vitale, Cindy
Spot denied my claim and lied about it
Spot is a a horrible health insurance company. Writing I am extremely disappointed with my experience with Spot Pet Insurance. I submitted a legitimate $389 illness claim for my 5-month-old puppy (Claim #8022893), and instead of processing it fairly, the claim was denied without any clear or accurate explanation. What is especially frustrating is that Spot claimed they requested medical records and did not receive them. That is completely inaccurate. I personally emailed the requested medical records directly to them, yet they still acted as though the documentation was never provided. As a paying customer, I expected honesty, transparency, and fair communication during the claims process. Instead, I feel like I was given misleading information and forced to fight for a claim that should have been handled properly from the beginning. Pet insurance is supposed to provide peace of mind during stressful situations with your pet, not add more frustration. Based on my experience, I cannot recommend Spot Pet Insurance
Insurer: Spot
By: Joshua Kunish
It was easy and quick!!
It was easy and quick!!! Claim was easy and refund was quick
Insurer: MetLife
By: customer
Prompt processing of claim and payment…
Prompt processing of claim and payment of benefits
Insurer: MetLife
By: Sheroll Carby
MetLife is the Worst Pet Insurance
MetLife is the worst pet insurance company that I have ever dealt with. SOAP Notes are requested for every claim. This includes claims that have always been covered. The app is broken and will not let you upload documents so you need to email them, and will be spammed with emails about missing information for days. Everything is automated and poorly run, and you are better off putting money to the side to care for your pet because MetLife is not going to reimburse you for any request and you also have to deal with their absolutely terrible claim system.
Insurer: MetLife
By: customer