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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Fetch was great in handling our claims
Fetch was great in handling our claims. We had an emergency situation with our dog and knowing that the care would be covered allowed us relax and not worry as much.
Insurer: Fetch
By: Peter
Deny claims and refuse to pay/apply towards deductible
2 months in my dog had an ear infection and they denied the bill as pre-existing. There was NOTHING pre-existing and there is no way I would pay $70 a month for insurance and then allow my dog to suffer for 2 months just so it could be applied to my deducible anyway. Attempted to cancel and it was a 15 minute wait on hold with high pitched flute type music (trying to drive you insane so you hang up).
Insurer: Pets Best
By: Michele P
Pay back-After having appointments with our vet…
After having appointments with our vet for our Crosby, I was able to apply for money back from Pumpkin Insurance. They pay at a high percentage after deductible.
Insurer: Pumpkin
By: Claudia
Filing Claim with Ease
My pup had an emergency visit which was very much an unexpected event. Luckily, I had Spot Insurance to help. I went on the website, downloaded the needed documentation and then waited for a response, which took about 2 weeks. My claim was accepted with ease. Within 10-15 days, a check arrived. Spot gives me peace of mind knowing my pups are covered. Thank you for making things simple!
Insurer: Spot
By: Cristina Rodriguez
Frustrating 4-Month Claim Dispute Experience
My dog had heartworm, and Pets Best continued to tell me it would not be covered because they believed it was a pre-existing condition. They were confusing it with my dog’s lumps, which were a separate pre-existing issue. It took hours of being on hold just to finally speak with an agent, and even then I still had to file a dispute because they were not going to return any money after we had already spent close to $2,000. My vet even had to write a letter proving and showing the facts that my dog had heartworm and that it was not related to the previous condition involving the lumps. The whole process was extremely frustrating. We were very close to ending our membership, but we had already spent so much money on the policy that we felt stuck continuing it. It also took them a very long time to review and process the disputed claim, even after we submitted clear evidence from our vet. All in all, we waited over four months to receive any money back, which was extremely frustrating and disappointing. Overall, the experience was very disappointing, especially considering how much time, effort, and money we had already invested.
7 Dachshunds
Pets Best's $1,000 deductible with 90% payment and unlimited coverage has allowed us to cover all of our dogs with lower premiums while protecting us from the cost of serious illness or injury. The claim process is easy and we have needed to coverage on 3 dogs over the past two years. I recommend Pets Best to our friends.
Both of my cats got an upper…
Both of my cats got an upper respiratory infection at the same time. One was so sick that he had to stay at the VET for a week. SPOT could not have made it easier to submit their claims. I snapped photos of the bills, answered a couple of questions and 2 days later, the money was in my account. YAY!!
Insurer: Spot
By: Sheryl West Fritz
Easy to claim
Easy to claim. Fast results. Great company!
Insurer: Pumpkin
By: June Garcia
Josie
Josie was diagnosed with lymphoma in 2024. She has been undergoing chemotherapy treatments and has been able to achieve remission. The treatments are very expensive and the journey is ongoing. Petsbest has enabled me to give Josie the treatment she needs and we have been cherishing every moment
Insurer: Pets Best
By: cindy