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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appeal process
several times my pets Dr. visit wasn't routine and we weren't totally reimbursed for the Dr. visit and I have to go through the appeal process which is very inconvenient because I have to fill out and drive the paperwork to the vet to get it signed . I wish you would just look into what the visit is for and pay attention more clearly to avoid this appeal process.
Insurer: MetLife
By: Christine Adams
Very easy to complete a claim
Very easy to complete a claim. The website provides a nice stepwise process and is clear an easy to read and navigate.
Insurer: Embrace
By: Len Marchese
I highly recommend Spot!
I purchased accident and illness insurance for my dog in 2024. I didn't have any claims that year. However, this year I have already filed 2 substantial claims. The first was for a cardiologist evaluation and EKG, totally over $1,000. Spot allow all of that claim and reimbursed me about $360 ($500 satisfied my deductible and I received 80% of the remainder, as set forth in my insurance terms). The next claim was for a tooth extraction and dental cleaning for a total of over $1,600. Except for about $5 for "pet waste/taxes," Spot again allowed all the charges. I just got a check for about $1,330! (Numbers aren't precise but the refund is 80% of the allowable costs.) Filing claims is easy as is providing the additional information they may request. Both claims were paid within a couple of weeks. On 1 occasion, I had to reach out to their customer service and this too was a very favorable experience. While the premiums are high, the cost is offset if your pet has an accident or illness. I very much recommend Spot for your piece of mind!
Insurer: Spot
By: Kathleen Turner
Documents were provided for dental but…
Documents were provided for dental but also for 2 growth removals including margins. Embrace never considered the growths. Very disappointing given the $1400/year premiums
Insurer: Embrace
By: Customer
I can submit claims easily
I can submit claims easily, there has been no hassle!! Love it!
Insurer: MetLife
By: customer
Fetch does not take privacy seriously…
Fetch does not take privacy seriously or learn from its mistakes. A dog that I previously owned was rehomed and the policy was transferred to the new owner. Still I kept getting information about the dog via email and on my Fetch account page. I alerted Fetch and they said they would fix this error. Now months later, I am getting emails about the new owners claim and on my account page, there are the new owners vet info, invoice, and claim details. Clearly this is a breach of their privacy but Fetch seems unconcerned even after I contacted them again. To top it all off, Fetch denied their claim noting the policy was invalid... its not invalid, it was transferred to the new owner! Once I contacted Fetch (which is also nearly impossible), they were so nonchalant about it, saying oh well since it was denied I shouldn't get further emails. Duh.... it was denied because you can't seem to get your facts straight. This company is so poorly run and clearly does not follow the FOIPP Act. They are also insensitive and have little concern for such minor details apparently. ** Update, I've contacted Fetch about this twice and it was escalated to a Supervisor but its still happening. The chat agents don't grasp the seriousness or have any interest in escalating the issue. The problem persists despite Fetch being made aware of it.
Insurer: Fetch Canada
By: Christie Anderson
The claim process is simple on the app
The claim process is simple on the app. Just take a pic of the invoice and notes from the vet. That’s it, claim processed, money back. 😊 It can be be a direct deposited right into bank.
Insurer: MetLife
By: Melanie Huntley
Scammers
Scammers. Had a legitimate claim for something that happened to my cat. The covered nothing, zero dollars of an almost 8k expense.
Insurer: MetLife
By: Rodrigo
Efficient
It was an efficient process reviewing my claim and reimbursing me.
Insurer: MetLife
By: Marva Lynch
Denied Accident Claim
Claim denied because pain was unable to be localized and injury was assumed. Our dog was limping and whining with pain which is why he was taken to the vet. Complete joke to have pet insurance for accident and illness when claim is denied because of a reason like this. Whether the dog’s leg was broken or not, he was clearly in pain from an injury and we got no help from Pets Best. Even appealed the claim and after second review it was the same result. Customer service person actually recommended doing an appeal because she thought it sounded like we should have received some reimbursement..
Insurer: Pets Best
By: Brady