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.

62,710 total


Verified February 26, 2026

Very easy to put in a claim

Very easy to put in a claim. Payment was quick.

Insurer: Pumpkin

By: Sherry

Verified February 26, 2026

Great to have pet insurance

Great to have pet insurance. Really helped me through my last claim.

Insurer: Spot

By: Liv Hopley

Verified February 26, 2026

Quick response time

Quick response time, once claim was filled out

Insurer: Spot

By: Carijudy

Verified February 26, 2026

Insurance for my Cat

We’ve had insurance with Spot for our cat for about 2 years now and have yet to be disappointed! My claims have always been processed within 1-2 days, and reimbursement via direct deposit is fast too! They cover A LOT, I even had to get extra bloodwork for her at her last annual, and a large portion of it was covered. You definitely get what you pay for, and it’s very worth it!

Insurer: Spot

By: Kaela Wilson

February 26, 2026

Reimbursed what I expect

I always get reimbursed the amount I expect. Which is great. What is not so great is that their portal (app or website) for submitting claims hasn't been working for months. It takes an extra 2 weeks to process a claim when submitted via email since there is such a backlog. Please fix this.

Insurer: Pets Best

By: Heather

Verified February 26, 2026

Received reimbursement for puppies…

Received reimbursement for puppies surgical procedure. Happy thank you

Insurer: Fetch

By: David

Verified February 26, 2026

The claim was processed quickly and I…

The claim was processed quickly and I didn’t have to jump through a bunch of hoops.

Insurer: Spot

By: Amanda S.

Verified February 26, 2026

Very pleased with Fetch

I've never had pet insurance before till my recent kitty, and I was very pleased with how easy it is to use. The cost is very affordable and submitting claims may seem a little daunting to some, but it is rather easy. Also, once claims are approved and cashed out, they are deposited directly into your banking account, if that's how you choose to receive payment.

Insurer: Fetch

By: Chuck

Verified February 26, 2026

Prompt and Efficient Claims Processing

I recently had to take my pup to the emergency vet early Sunday morning, and the bill was understandably expensive. I submitted the invoice through the MetLife Pet app on Monday and was pleasantly surprised to receive the reimbursement by Friday. I really appreciate the fast and smooth payment process.

Insurer: MetLife

By: Marlene King

Verified February 26, 2026

That in an emergency that my dog is taken care of no matter what!

It's dependable when I need the insurance for my animal!

Insurer: MetLife

By: Pamella Marez

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