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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Scam insurance
Do not buy. Everything falls into "not covered" for them. Even perfectly outlined first vet visit was not covered because they themselves put it in a different category. The money they were supposed to cover initially (around $400) included some tests and medication which, again, they wrote off as something else as to not pay for it. You get reimbursed for a stool sample per year, that's it.
Insurer: Nationwide
By: DoesntMatter
Not what it used to be
I’ve had Pets Best for several years, with four different dogs. Unfortunately, things have changed dramatically with underwriting and customer service for the worse. The final straw was denial of a claim for a broken tooth. Yes, I’m sure my dog chewed on something too hard and broke a molar. They denied the claim, stating that the condition was “caused by periodontal disease”. Other claims have been denied for reasons that I believe is due to aggressive pursuit and twisting of the “fine print”. The customer service is atrocious. The recording informs you that your wait time for help with a claim or exiting policy is a minimum 30 minutes, and to cancel a policy is 45. To get a new policy? Yeah, 10 minutes. Over the years, Pets Best was a good company overall for what pet insurance is for. Now I believe it’s been taken over by nothing more than bean counters.
Insurer: Pets Best
By: David D'Agresta
Easiest and fastest experience…
Easiest and fastest experience submitting a claim. I did it in under 5 minutes from my phone and received approval in less than an hour. Absolutely outstanding!
Insurer: Embrace
By: Sarah M
Fast and Easy Process
It was easy to process my claim online and I received payment immediately upon approval.
Insurer: MetLife
By: customer
Disappointed
I honestly believed my reimbursement claims for my pet’s wellness visit fees was going to be covered more than what it turned out to be.
Insurer: Pets Best
By: Luz Houston
I could not be happier.
My first time using the insurance and my deposit was in my account from a wellness check and shots within two weeks of my pups appointment. My wife has another imsurance company on her dog and they don't even cover wellness checks. I could not be more staisfied with my choice of Fetch Insurance.
Insurer: Fetch
By: Scott Welch
What it's like..
Never had pet insurance before. It was easier than I thought. Fetch made it a very smooth experience.
Insurer: Fetch
By: Bianca
Efficient Clsim
I appreciate being able to call initially and get my procedure pre approved (call helped me learn how to do it). Once procedure was done submitted claim took as long as I expected and covered what I was expecting. I was able to verify payments went through.
Insurer: Fetch
By: Brynn
WORST Pet Insurance I've had.
This is the worst pet insurance experience I’ve had. Your website and online platform have been nonfunctional for months, making it nearly impossible to manage claims. My coverage is being denied for “pre-existing conditions,” even though the symptoms are new and fall well within the active policy period. I’m also being asked for additional documentation (an itemized invoice) that was already submitted with the original claim. When I try to upload it again through the portal, it simply doesn’t work. It genuinely feels like these obstacles are intentionally put in place to discourage customers from pursuing valid claims. I doubt anyone will read or respond to this review to address these serious service issues. If I’m not contacted, I will be canceling my policy before the next billing cycle.
Insurer: Pets Best
By: Enes
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 reported them to the Federal Trade Commission and I encourage everyone to do the same.
Insurer: Pets Best
By: Anna