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


Verified January 10, 2026

Call to fix coverage issues

Call to fix coverage issues. I had to call to make sure tax for the medications was covered as well as making sure that a previously covered med was not denied as a "pre-existing condition". The customer service representative was kind and friendly, but the company should not make me have to call them in the first place for coverage I should have. I have called several times to resolve coverage issues on their end.

Insurer: MetLife

By: NT

Verified January 10, 2026

Worth the money for health of your pet

We are very impressed by MetLife’s pet insurance. We have done 10 claims and it is so easy and relatively quick to receive your reimbursement. I think the longest I have waited for reimbursement is around 2.5 weeks. It’s very easy to use the app to upload your receipts or vet notes and follow the process to your claim being approved and then the payment. We have reached out to customer service a few times and it has always been pleasant and quick. This will be our third year with Met Life for our pet insurance and we continue to be impressed by the coverage and the service. Thank you for making things easy.

Insurer: MetLife

By: Amber Patton

Verified January 10, 2026

First time - amazing experience so far

This was my first time using these benefits and it was a very smooth and quick process. Love it so far, definitely recommend.

Insurer: MetLife

By: Jerry Velasquez

Verified January 10, 2026

I can't say enough about a great transaction!!!

I can't say enough about how great this transaction was!!! Within a short time, the claim was reviewed and closed with the proceeds going directly into my account via Zelle, which was a wonderful surprise!!! Notifications were sent to me and the website was updated keeping me aware of status and Explanation of Benefits!

Insurer: MetLife

By: Maureen Roman

Verified January 10, 2026

Our claims are always processed…

Our claims are always processed quickly, and we are happy with the amount that is refunded.

Insurer: MetLife

By: Mary Anderson

January 10, 2026

I was in shock when I got my prognosis…

I was in shock when I got my prognosis for my 4-year-old dog. I left the veterinarians office and drove around in tears because I did not know how to process a young 4-year-old dog having severe hip dysplasia. She had hip dysplasia in both hips. Basically, her hips are being held together by muscle and tendons. She has very little support for her femur head to rest into the socket. I was so relieved when I phoned Fetch, I was expecting all kinds of difficulty and what I received was warm, kind, understanding, direction. My dog will not need to be put down because Fetch has my back. I am so grateful that I chose Fetch when I did, so many unexpected things can happen, and I am so glad that I purchased Fetch pet insurance when my dog was very young. Thank you Fetch

Insurer: Fetch Canada

By: Velda Abram

Verified January 09, 2026

Very prompt in processing your claims!!

Very prompt in processing your claims!!

Insurer: Spot

By: Carol Hawkins

January 09, 2026

Financial Support when you need it

My overall experience has been positive. My claims have been paid timely. There was a period of a few months where PetsBest was updating software and it did seem the claims took about a month to process. When my claim has been denied I followed up with needed information (due to a newly adopted pet) and then claim was processed. I did a TPLO surgery on one of my dogs and was very please at the processing time and reimbursement. I have one pet on maintenance medication and have had no issues with claims being processed. I went 2 years having no need to process claims and then this last year we have had several needs and I have grateful to have this for my 3 dogs so I can make quality of life decision without having to heavily weigh in cost as I know after deductible I'll start to receive reimbursement. I recommend this company. My overall experience has been positive. My claims have been paid timely. There was a period of a few months where PetsBest was updating software and it did seem the claims took about a month to process. When my claim has been denied I followed up with needed information (due to a newly adopted pet) and then claim was processed. I did a TPLO surgery on one of my dogs and was very please at the processing time and reimbursement. I have one pet on maintenance medication and have had no issues with claims being processed. I went 2 years having no need to process claims and then this last year we have had several needs and I have grateful to have this for my 3 dogs so I can make quality of life decision without having to heavily weigh in cost as I know after deductible I'll start to receive reimbursement. I recommend this company.

Insurer: Pets Best

By: Robin Moreland

Verified January 09, 2026

Claims process is easy and efficient

Claims process is easy and efficient. Processing is fast and fair.

Insurer: Spot

By: Yvonne Whittier

Verified January 09, 2026

Painless & Simple

Unfortunately, we had to use our pet insurance, but Spot has made it painless and simple.

Insurer: Spot

By: customer

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