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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Prompt claim attention
Prompt claim attention, clarification (if need be) and repayment
Insurer: MetLife
By: Frank D
Feedback foe Spot
Very please with the last claim processes after our dog had allergy testing. They reimbursed a good portion which was a huge stress reliever and testing was necessary as our pup is allergic to many things. Have been disappointed however, with reimbursement for other things like preventive. Vets charge almost $60 now for a visit but spot only reimburses $20 so that really "isnt" 80% reimbursement as they claim it to be. Their turn around time on claims is pretty quick, usually within a week so happy there as well
Insurer: Spot
By: Nancy C
Fetch gave me piece of mind
Fetch gave me piece of mind. The whole claim process was easy and allowed me to focus on my puppy. After uploading my bills they reached out to my vet for supporting docs and kept me apprised of status. I'm glad I made the switch to Fetch pet insurance.
Insurer: Fetch
By: Sue
Confusing.
The coverage has apparently changed in the last 3 years. I tried to get same coverage for the new puppy as I have on the other 2. It looks completely different. I don’t understand the differences in the coverages so I just did the best I could. I may have to change it later.
Insurer: MetLife
By: kids dogs
It’s a good thing to have pet insurance…
It’s a good thing to have pet insurance with high vet costs if something goes wrong with their health. It’s confusing what will happen be paid and circumstances but Truepanion has real people to help you.
Insurer: Trupanion
By: Jean
Easy to submit case
Easy to submit case. Handled quickly & fairly.
Insurer: Fetch
By: Susan
Happy with Fetch
My little 6 lb Yorkie wouldn’t eat for 4 days, took to vets 3 x’s and ended up at the hospital. Per my contract, they paid their share. Very happy with the way it was handled. Thank you Fetch.
Insurer: Fetch
By: Squeeky
I've been paying premiums for two dogs…
I've been paying premiums for two dogs for almost two years now. I've filed probably a dozen claims. Each and every one was rejected. I'll just allocated the amount of the premiums to a savings account and be way ahead.
Insurer: Prudent Pet
By: Michael
Emergency Triage Denied as 'Office Visits' – Flawed Appeal Process
I am writing this to warn other pet owners about how Pets Best handles emergency claims. My dog, Maddox, required life-saving emergency care, yet the company denied reimbursement for mandatory 'Emergency Triage' and 'Specialty Transfer' fees. They are misclassifying these critical clinical requirements as elective 'office visits.' I followed their protocols and filed a formal internal appeal, which was denied on March 11, 2026. Despite providing evidence that these were clinical prerequisites for life-saving diagnostics, the appeal was a 'rubber stamp' rejection. Furthermore, my account still has unresolved discrepancies regarding diagnostic shipping fees that have yet to be addressed. It is frustrating to have to fight for coverage that is clearly medically necessary. Very disappointed.
Insurer: Pets Best
By: Lisa
Sour Lemonade
I would not recommend Lemonade insurance. In my estimation they have made everything very difficult in terms of accepting basic claims. Their customer service is good if you like rejection. I feel like I wasted my money with this insurance company.
Insurer: Lemonade
By: Mered