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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Fetch paid for my dog's spay surgery
I'm happy that Fetch paid for my dog's spay as well as some other items. However, Fetch denied payment for the double hernia repair surgery performed at the same time, because she was born with the hernias and they said it was a pre-existing condition. That's out of anyone's control, and the surgery was medically necessary, not a choice. I feel Fetch should have paid for the surgery because the hernias were growing and visible and they had to be repaired.
Insurer: Fetch
By: Diana Poole
Fast and easy process filling Claims
Fast, easy process in filling out claim and uploading documents. Fast turnaround time receiving reimbursement. Love this pet insurance.
Insurer: MetLife
By: Michelle F
GREAT service with some room for improvement!
We’ve had our policy for 2 months and overall the service has been great! The only issue I’ve had so far, which was taken care of, is that one of my claims was processed through the automated system and deemed as a pre existing condition. Since my pup has had insurance since the day we brought her home, this was impossible. A simple call to customer service and my claim was pushed back in and approved within 24 hours and we were reimbursed successfully after only another 1-2 days! This is impeccable service in my opinion. I would recommend revamping the automated processing system to avoid this mistake in the future as some pet owners may not know to call about this issue which could result in a negative experience and loss of customer! Also, every CSA I’ve spoken to has been wonderful! Glad we switched away from Pets Best!
Insurer: MetLife
By: Athena & Zara
Still waiting for reply from you on a…
Still waiting for reply from you on a claim we sent in on 11/19/2025.
Insurer: Pets Best
By: Ray Andrasak
I couldn’t be happier with this pet…
I couldn’t be happier with this pet insurance. I’ve had several others and had to wait forever for claims to be paid, but Fego is great! We’ve had issues with our daschund for the last six months and it has saved us so much money. Very happy to recommend this to everyone I talked to!
Insurer: Figo
By: ILENE M LARUE
It's great and has all of the important…
It's great and has all of the important info I need to cover for things such as accidents and that's about it and will be doing more research of it along with other pet insurance to find the perfect fit for my dog's needs.
Insurer: Nationwide
By: Myra
Turnaround Time Isn't Great
I was hesitating giving 4 stars, but as I'm a newer customer, I wanted to be fair. I submitted a claim over a week ago, and I just checked the status of my claim and it still says submitted. It hasn't even been queued for review yet. I've had insurance with two different companies with previous pets, and the longest I ever waited for a claim to be processed was 5 days, but they were usually completed in 1-3 days, and that was a few years ago when you'd expect things to move slower. If they need additional information then that will add on even more time. I'm glad I am only satisfying my deductible and not wait for reimbursement. I chose Spot because I'd been told and had read they have fast processing times. When I submitted 8 days ago and it's not even in the queue yet, I wouldn't call that fast. It still has not be queued, assigned, or reviewed. I only wonder how many more days it will be. The first claim I submitted was wellness, and that took 9 days, but I figured that it was my first claim and the rest would probably be faster. Well, it's day 8 and it's still just sitting there in a virtual pile...LOL
Insurer: Spot
By: Michele Langley
The claim submission process is…
The claim submission process is seamless and efficient. The customer service reps are always helpful and provide good customer service. The timeframe to be reimbursed is relatively fast.
Insurer: MetLife
By: customer
Covers SO LITTLE of the cost of every…
Covers SO LITTLE of the cost of every visit
Insurer: Spot
By: Joe Cohen
I submitted an entire PDF of invoices…
I submitted an entire PDF of invoices and an entire PDF including the visit notes and they only process part of them so I'm out like $600 and they're telling me I have to resubmit it all of those
Insurer: MetLife
By: customer