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.

58,154 total


February 26, 2026

Trupanion saved my dogs life

My 4 year old dachshund was diagnosed with cancer a few months ago. The treatment was at a cost of approx $20,000. Fortunately when I purchased him I also on the advise of my vet got Trupanion insurance. They pay for 90% of his treatment and without this help I would have had to put my little Henry down. He just went for his 3rd Chemo treatment today and his tumors have greatly reduced. Also Trupanion pays for each visit before I leave the vet. They are truely a life saver. I would highly tell everyone with a pet to get this insurance.

Insurer: Trupanion

By: Melanie Reichler

Verified February 26, 2026

Easy document submission

Easy document submission. A very clear and quick response.

Insurer: Spot

By: Jeff Anthony

Verified February 26, 2026

So far seems great!

So far, Spot has provided excellent turn around on processing claims and I hope it continues to go smoothly. This is the first time I had passed my deductible and I am happy so far. The process is direct, easy online, and no surprises.

Insurer: Spot

By: Sar B

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

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

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