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.

62,907 total


January 25, 2026

Do not get fetch pet if you have a pound puppy or rescue dog!

Do not, I repeat, do not get Fetch pet insurance if you have a rescue dog or an adopted dog from someone else. They will not cover anything and will tell you that everything is pre-existing. Our poor Puff who was rescued off the street near death and we adopted back to life had to get all her teeth taken out. They did not pay for one single vet first check up visit or the final visit to get all the teeth out. Not even partially. If you get a dog from the pound, do not get Fetch pet!!! Also if your vet ever says that your dog has even tartar on their teeth, you can forget filing any claims for any oral work on your dog forevermore. Read the policy. Pretty shady in between the lines.

Insurer: Fetch

By: Richard Brown

Verified January 25, 2026

Fast payment

Fast payment, easy process. Website and app needs some fix. Otherwise, very satisfied.

Insurer: MetLife

By: customer

January 24, 2026

The function of pets best insurance is…

The function of pets best insurance is what makes it great. They make submitting claims easy. It's a customer friendly experience.

Insurer: Pets Best

By: Vernon Davis

Verified January 24, 2026

My lab ruptured her cruciate ligament

My lab ruptured her cruciate ligament. Total bills were approx. $6,000. Having Pumpkin Insurance gave us 90% of our expenses. So relieved we had the insurance! Thank you for the rapid approval system. Again thank you for having that in place. A very relieved customer!

Insurer: Pumpkin

By: Ann

Verified January 24, 2026

We have been using Fetch for over 11…

We have been using Fetch for over 11 years. With our older dog we have had to submit claims due to her medical condition. It has been easy to submit claims using the app. I have been informed throughout the review process as to the status of the claims.

Insurer: Fetch

By: Dawn

January 24, 2026

Shop around first

Have this insurance for 5 years and my yearly bill went up $300 no major issues with my pet but they don't cover much. Don't pay out much $600+ health visit yearly they only pay out about$200. For what i pay i think i can get a different insurance for cheaper with at last 80-90% payout. It's a shamepost in still waiting for my claim money over a month now

Insurer: Pets Best

By: customer

Verified January 24, 2026

​Reliable coverage for my Great Dane’s hospital stay

I’ve had Fetch for a while, but I truly put them to the test when my Great Dane needed emergency care and ended up hospitalized. Dealing with a sick pet is stressful enough, but Fetch made the financial side easy. ​Claims Process: Super simple via the app. I just uploaded the medical records and itemized bills. ​Reimbursement: They processed the large claim quickly and the funds were in my account via direct deposit faster than I expected. ​Transparency: No hidden "giant breed" exclusions for the emergency care we received. ​If you have a large dog with high potential medical costs, I highly recommend Fetch.

Insurer: Fetch

By: Trish

January 24, 2026

My experience has been not positive

My experience has been not positive, I made a claim in December and I have no response yet. I’m about to make another claim but this is not trustworthy anymore

Insurer: Pets Best

By: Romynna Jimenez

Verified January 24, 2026

Smooth Reimbursement Process

Great experience! Atlas had an ear infection and the claim process was super easy. I submitted the invoice and got reimbursed quickly, which really helped take some of the financial stress out of dog ownership. Highly recommend!

Insurer: MetLife

By: lp

Verified January 24, 2026

Courteous and Professional

People we talked with on the phone were very helpful, professional, and courteous. Claims were handled in a timely manner.

Insurer: MetLife

By: Patricia Mathews

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