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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We have had a great experience with…
We have had a great experience with MetLife Pet Insurance. We have 3 Newfoundlands and trust me vet care is expensive even more so with giant breed dogs. The service is quick and they are always there if you have questions. Thank you MetLife Pet
Insurer: MetLife
By: Lisa Hailfinger
Fetch Reduces Coverage Based on Claim History
Fetch may seem to have excellent pet insurance coverage. The issue is at renewal. Pet insurance is not regulated like human healthcare. When Fetch renews your policy they will reduce coverage based on your claim history. This is legal. They do this very quietly. Because of pre-existing exclusions, they know you have no options if your pet has been sick. It is classic bait and switch at it's core. You sign up with them and choose your coverage level. However, if you have filed just one claim, you cannot increase your coverage later, EVER. However, they can and will decrease your coverage. My advice is to avoid Fetch because while you may be okay during the first year, they will make up for it every year thereafter. It is extremely bad business to do this to customers. They will insist we have a choice. Afterall, we can cancel coverage and/or choose another company for a pet policy. However, this "choice" is meaningingless in practice, because other pet insurers have pre-existing condition exclusion, just like they do. If you switch, any conditions your pet has already had will not be covered with a new insurer. For this reason, having the policy with Fetch, becomes the lesser of two evils. That is why how they can get away with this. Those of us with dogs who have pre-existing conditions are stuck with Fetch or can choose to have no coverage at all. They know this and take advantage of it. If I knew what I know now, I would never have chosen Fetch. EVER. EDIT: Fetch responded to me stating that this is not true. It is absolutely true. After my renewal Fetch stopped covering supplements that were covered prior to renewal. For me, this is a huge deal because my pet has tummy trouble and the vet recommended many supplements that are extremely helpful for my dog but are not in the Plumb's book so they are no longer covered. However, these supplements were covered before the renewal. They also added a clause that allows them to reduce coverage or promos (which I have) on my policy if I have 50 claims or more. This is arbitrary. If I have to buy one supplement a month, that is 12 claims right there. They also reduced coverage regarding dental to basically nothing. They also added a $2000 sublimit for Pharmacy, unless you use Fetch Rx, and lastly they added more exclusions regarding pre-existing conditions about bilateral conditions. So YES, my coverage was severely reduced. Also, Fetch does not cover ANY food even if it is required for a medical condition and the vet prescribes it. So my opinion still stands. And if Fetch was able to determine who I am and find my policy and wants to add this coverage back somehow, then they also know how to reach me. I am waiting for an email or call. I am not calling them.
Insurer: Fetch
By: Brian M.
Quick response to claims submitted!!
Quick response to claims submitted!!
Insurer: Spot
By: Beth H
deductibles not clearly explained
I was disappointed to learn that there was a $300 deductible that isn't met right away. I thought that the total invoice would meet deductible but found out only partial dollars of invoice are used , So one would have to see vet multiple times before meeting deductible. That wasn't clearly elaborated to me. Also, they take their time reimbursing
Insurer: Fetch
By: STEPHEN DELUISE
Always easy to submit a claim
Always easy to submit a claim, and quick response.
Insurer: Pumpkin
By: Sam
Great customer support and speedy claim…
Great customer support and speedy claim processing!
Insurer: Pumpkin
By: Mr. Finley
The online claim-submission process is a pleasure
The online claim-submission process is easy and straightforward. Kudos for whoever designed and implemented it! Now the wait begins...
Insurer: Embrace
By: Eileen McKenry
Peace of Mind for My Pup – I Love Figo!
I have a dog and absolutely love Figo Pet Insurance! From the start, the experience has been smooth, transparent, and stress-free. The sign-up process was easy, and I really appreciated the customizable plans that allowed me to choose the coverage that fit my needs and budget. Filing claims is incredibly simple through the app—just snap a photo of the vet bill and upload it. Reimbursements have been quick, and communication has always been clear and professional. It gives me peace of mind knowing I can focus on my dog’s health without worrying about unexpected costs. Figo has truly exceeded my expectations, and I’ve recommended it to several fellow pet parents already. If you're on the fence about pet insurance, I highly recommend giving Figo a try!
Insurer: Figo
By: Kim
Pets
Talked with Bobby. He really helped me choose the right plan for my pet!!
Insurer: Prudent Pet
By: Kia
excellent service
The few times that I've had to submit a claim for vet bills, for my dog I've not had to worry about if the claim would be excepted or not. It might take a little bit before im notified of the outcome, but that's ok because I receive notifications that they are looking into my claim. It's not fun having to take your pet to the veterinarian for issues but its nice to know that this company is there to help with the bills. Being able to be there for your pet when they are having issues and not having to worry about the bills is a wonderful thing. As always I'm very pleased with this company and would recommend to everyone! Thank you for being there for our pets.
Insurer: Pets Best
By: Amy Hess