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.

63,622 total


July 10, 2026

Quick turnaround for payment!

My sweet dachshund got IVDD and lost function in her back legs. Time is important when this happens. I took her to the emergency vet and she had back surgery an hour later. She is still recovering but has full functionality. Pets Best took care of my claim fully and quickly. Thank you so much! Took away so much of the financial stress!!!

Insurer: Pets Best

By: Susan Kuker

Verified July 10, 2026

Constipation, enemas, possible megacolon

My claims were reviewed for my 3 year old cat's costly urgent care vet visits and reimbursed within 2 weeks of submitting our claims. I'm so happy to be able to pursue diagnostics and treatment that I might not otherwise be able to. My cats are like my children and without fetch I would either have had to pick and choose between treatments and diagnostics. Instead we were able to perform all recommended tests and I was reimbursed for a little more than $1,000 (minus the $250 deductible).

Insurer: Fetch

By: Amy

July 10, 2026

Timely and slow

Very slow claim process and had to do all the work for the insurance company. My time is precious, why am i doing your work? I should have to call doctors. Cost friendly compared to other companies, however, other companies pay 100% of everything. Just got my claim today, two months later. Wasnt the greatest experience.

Insurer: Embrace

By: Matt

Verified July 10, 2026

Pumpkin covered my vet expenses well

Pumpkin covered my vet expenses well. They were very responsive to my questions and were easy to contact. Customer service was excellent.

Insurer: Pumpkin

By: KAREN

July 10, 2026

Excellent for older cats

Hartville is a great deal, they’ve been covering 80% of my cats illness injury claims. It’s good because he’s a senior cat and sometimes it can be a challenge finding someone to insure him. I’m saving a lot of money by having this insurance. My only issue is sometimes the app in the website can have glitches that make it hard to login.

Insurer: Hartville

Veterinarian: Docton Animal Clinic

By: Sophia

Useful
Verified July 10, 2026

My cat needed a procedure to help her…

My cat needed a procedure to help her breathe better and improve her longterm health. After her Vet recommended surgery I decided to do. Best decision. Not only is she feeling way better but she is acting like a young cat should and Healthy Paws processed my claim quickly and paid as I hoped for :))

Insurer: Healthy Paws

By: Shelly R

Verified July 10, 2026

The best pet insurance around

The best pet insurance around! Came from a different insurance (nationwide), who I had for years, however, their policy changed and MetLife was the ONLY insurance with similar or even better coverage. Hoping to stay here ok it as long as I can. Claims have been seamless, coverage has been excellent, refunds have been great.

Insurer: MetLife

By: tiinababe

Verified July 10, 2026

I’m amazed how easy the claims are to…

I’m amazed how easy the claims are to file. I expected to have to hunt up a high amount of paperwork. I sent in my bill and the doctor’s notes and in about a week there was a check in the mail! Very pleased I chose this insurance company!!

Insurer: Spot

By: Connie

Verified July 10, 2026

Incredibly fast turn around on claims…

Incredibly fast turn around on claims payments! Great job!

Insurer: Pumpkin

By: Sher

Verified July 10, 2026

Easy Claims Submission

Submitting claims through the app is incredibly easy, and the claims process is reviewed and turned around quickly. I appreciate the service and tools provided by the Metlife app

Insurer: MetLife

By: Mason

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