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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Fraud insurance
I'm sure my review will get "lost" due to it being a negative review since all I'm seeing are positive reviews and I have nothing positive to say about this experience. It was mandatory for us to have fetch insurance when we adopted our kitten from the SPCA, at which time he was only a few weeks old and had a comprehensive exam prior to the adoption as well as a follow-up exam a few weeks after the adoption. We had been paying into the policy for over a year now when our 1-year-old cat had to go to the emergency hospital and receive treatment and remain inpatient for a few days. We called to confirm the policy would cover a certain percentage of the bill since it was extremely high and something that was not in the budget at the moment as well as the procedures/care was also within the scope, to which the agent confirmed and we proceeded with getting our cat the care he needed. We submitted all of the paperwork from the veterinary Hospital as required but keep getting the runaround and getting asked for ridiculous pieces of documentation that we can't produce from before we even adopted him. This is all a tactic to surpass the allowable time frame so we don't get any of our money back that we paid up front to the vet hospital. We were definitely taken advantage of, if we would have known we wouldn't get reimbursed even after jumping thru hoops we would have just applied for the care credit thru the vet hospital instead of losing all the money we paid upfront.
Insurer: Fetch
By: Kelly
Best Pet Insurance out there!!! HIghly recommend, smooth process.
Love Pets Best, smooth process, user friendly claims page online and great customer service. Claims are processed and paid out efficiently in a timely manner. Most major claims have been reimbursed of a satisfactory percentage. I will stick with them because of this, hope their policy never changes.
Christmas UTI
Woke up Christmas eve to my dog Chloe having an UTI. I called and got her seen that morning. $417 later she was on the mend. I filed my claim on 01/05/2026. On 01/16/2026, Pets Best notified there was an issue with my attachment. I corrected it and it was approved on 01/29/2026. It was processed and paid on 02/04/2026. One item was not covered but the remaining 90% was. Just in time to pay those holiday bills!
Quick, Easy Claim Process
My dog was previously with 24 Pet Watch for 8 years and recently switched over to Hartville. Our experience so far has been great. Yes, my premium increased quite a bit as I've seen others comment on in their reviews, but my dog has some chronic health issues, so the annual policy limit is still very much worth the premium increase since her health issues are pretty unpredictable. Submitting a claim is super easy, and my experience has been that processing time has been right around a week, and the direct deposit for reimbursement is very smooth. I'm very thankful for that!
Insurer: Hartville
By: Melissa
Very Easy Process
"All I did was submit the bill/progress note in the app. Very easy. In the past, other coverage I had - it was too complicated. This was great. Turn around time for payment was excellent."
Highly recommend …
Healthy Paws has been invaluable in my boy’s cancer journey. The claims are processed and paid within 2-3 days. Highly recommend.
Insurer: Healthy Paws
By: Marina B
I am very grateful
I am very grateful. It’s been a very stressful time dealing with the unexpected health issues with my pup. And I am so impressed at how easy and straightforward this process was. After a crazy expensive unplanned situation, getting great support and reimbursement right away was so appreciated. I’m sharing your praises everywhere!
Insurer: Healthy Paws
By: Lauren Spagnola-Robins
Embrace pet insurance was fine until…
Embrace pet insurance was fine until the last two years. We only made 2 claims for our yellow lab who is 12 years old. ($450, $1001). We expected that his insurance would increase but the amount is incredible. $550 a month. Now, it might be that I contacted the BBB last year when it increased from approximately $225 to $400. -I was able to reduce it to $342 but gave up the percentage of reimbursement and the lifetime amount.- This year it increased to $550 a month. My dog is dying from splenic tumor and a mass tumor that is slowly bleeding his life away. To operate would be $7000-$8000 and no guarantee he would survive. It was a hard choice but we chose palliative care and to keep him as comfortable as possible. However, an increase to $550 a month would cost us $6,600 yearly. The hypocrisy of this insurance Co and probably others, is definitely a form of usury. I will be contact the CFPB- even though it is a shadow of its former self
Insurer: Embrace
By: Craig Lutes
Doesn’t cover ANYTHING
My cat had emergency surgery. I submitted a claim and they said it was pre-existing. I went back to the vet and they gave their notes listing why the surgery was definitely not for a pre-existing condition. It was for a foreign body exploratory abdominal. MetLife denied the appeal! I was told my only other option was paying $85 PER HOUR for a third party review of the claim. This insurance is TERRIBLE!!! DO NOT GET THIS INSURANCE ! It is a scam, I got this insurance so I could be with a peace of mind and get my pet the surgical care he needed. I was told by the vet that night that he could die without this surgery. I have no idea what I’m paying for at this point if it doesn’t cover ANYTHING during times of emergency.
Insurer: MetLife
By: Olivia
I can't say enough great things about…
I can't say enough great things about Healthy Paws we have had and still to this day with claims exceeding over 220+ probably exceeds $80.000.00 and never had a dispute over a claim. Our girl has torn both ACLS gingivitis cancer,removal of a portion of her lung plus assortment of other issues and many prescription to treat numerous issues UTIs etc,Thank You Healthy Paws
Insurer: Healthy Paws
By: Larry Peltier