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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Terrible experience and not worth having
My dog broke his foot on 09/30/2025 and ended up being 5 vet visits - xrays, cast changes... They processed the incident date as 10/17 (?), which was one of the follow up visits and then only processed the things done on that one visit. Completely at a loss of what was done. Submitted all 5 vet printouts and sent the SOAP for all 5 visits. The remaining 4 visits, including the first one which was the most done (sedation, setting bones back, getting cast) were completely ignored and not processed.
Insurer: Pets Best
By: Ken
POOR CLAIMS PROCESSING
I have told you several times to no avail. Claims processing is awful and customer service is often unresponsive.
Insurer: MetLife
By: Lisa Tomlinson
Positive points about the plan
They’re always available by phone. Page just had a big surgery on leg and it was comforting to know my plan covered most of it. Sometimes we may grumble about monthly payments BUT when our pets (my kid to me) get sick/surgery it takes some pressure off the situation. And their reimbursements are processed very quickly …which is very important.
Insurer: Healthy Paws
By: Judith Griffin
Get it, you won’t regret it
Easy sign up. Have gotten great service. Claims handled quickly and fairly
Insurer: Spot
By: Deborah Vannostrand
Good coverage and friendly service
Amanda was very knowledgeable about the various options and what is covered. She responded to emailed questions quickly, and she was also very friendly and sympathetic to the loss of my last dog. The coverage for my last dog was excellent, and he had a variety of health issues throughout his life, which is why I'm purchasing Fetch for our new puppy.
Insurer: Fetch
By: sob sob
This company is giving big SCAM energy...
This company is giving big SCAM energy... there's no access to their portal, they have a new excuse as to why each day.. You can only submit a claim by emailing a generic inbox and then when you call you wait at least 45 min, only for them to say they can't see if the email was received. If you ask to speak to someone in the claims dept they will tell you there's no phone number to transfer you to... I guess those guys work in the Cone of Silence and never have to communicate with anyone else in the company. They drag out the claims process as long as possible so that they can collect as many monthly payment before you get pissed and cancel the policy. I have reporting them to the Federal Trade Commission and I encourage everyone to do the same.
Insurer: Pets Best
By: GypsyAnna
So glad I had spot they covered a
So glad I had spot they covered a. Emergency vet visit quickly the process was very easy. The claim was resolved and paid within 10 days. Spot recommended to me by my vet.
Insurer: Spot
By: Lisa Dixon
Great Coverage and Easy Claims Process When My Dog Needed Care
I recently had to take my dog Murphy to the vet for a pretty rough visit. He was sick, needed an x-ray, several tests, and treatment for a double ear infection. The bill ended up being much higher than expected, but I was so relieved that our pet insurance came through. I submitted the claim and was pleasantly surprised that they covered about 60% of the total cost. The process was straightforward, the claim was processed quickly, and it made a stressful situation so much easier. I’m really happy with the coverage and grateful for the support when we needed it most.
Insurer: Healthy Paws
By: Tni Newhoff
I don't like the 14-day wait
I don't like the 14-day wait. Especially for emergency coverage
Insurer: Nationwide
By: customer brian
Thank you for always working fast on my…
Thank you for always working fast on my claims I have referred many family & friends
Insurer: MetLife
By: Suzette Contreras