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.
63,140 total
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Very organized company / quick claims handling
Very organized company. Always responsive on the phone if I have any questions and claims resolution is very quick as well. Have had a pet insurance policy for my pup for years now with met life and I’m very happy with it.
Insurer: MetLife
By: Yoe K
Very easy to submit claims and great…
Very easy to submit claims and great follow up
Insurer: Fetch
By: Michael MacGowan
Great pet insurance
Claims are always processed very quickly, easy to upload invoices to claims.
Insurer: MetLife
By: Lisa
easy to file a claim and the review is…
easy to file a claim and the review is very quick
Insurer: Fetch
By: Rita Lugrine
I love my Pumpkin pet insurance
I love my Pumpkin pet insurance. The rates are reasonable and claims are paid fast.
Insurer: Pumpkin
By: Cory
Winston broke a bone in his front paw
Winston broke a bone in his front paw. It was a Sunday so we took him to emergency care. He had X-rays , exam , sedation and give three meds to take home. We just got the claim finalized and the exam not covered ( we had declined ) and the meds not covered. Same reason. So a bulk of it was applied to the deductible.
Insurer: Embrace
By: Teresa Moon
Very easy to submit claims and payment…
Very easy to submit claims and payment is very timely!
Insurer: MetLife
By: customer
Fast and easy
My claim was reviewed quickly and the reimbursement was also deposited quickly. I have never used pet insurance and this was a great experience.
Insurer: Fetch
By: Dacia
Young Dachsund with Unexepected and Urgent IVDD Issues
Our family has two young dachsunds (4.5 years old) and they were both seemingly perfectly healthy. We've had Pets' Best since they were puppies but had never expected to need them. Then in May 2025 our dog lost the use of his back legs abruptly. It turned out to be a ruptured disc in his spine and required emergency surgery to give him a chance at walking again. We were stressed and not sure what Pets' Best would or wouldn't cover. But they covered exactly what they said they would and gave us peace of mind to do what we needed to for our dog. He's sadly been plagued with this issue twice more this year, despite all our best efforts, but Pets' Best has been there to help each time. Really appreciate them!
Unclear requirements
I purchased Lemonade just for one cat to try it out. Well after the 15 day waiting period, with no claims filed, he had an exam and nothing was found. I didn't file a claim until the following month. The vet recommended an echo to rule out heart or lung issues. I filed a claim for this visit. Nothing was found wrong with my cat, so the vets were thinking behavioral or allergies. My claim was denied by AI, I have to assume, as it was literally denied within a few minutes. I didn't know what to claim exactly, there is a list and you have to pick something. Since he isn't diagnosed with anything, I put his issue as behavioral because nothing physical found to be an issue. Lemonade states without follow up medication or some other treatment, they won't cover it. I didn't see anything to explain what this insurance covers or doesn't cover, but I don't think this company is fair. They are the cheapest but there's no point in insurance if nothing is covered or what is covered is very difficult to determine.