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


November 05, 2025

Absolutely terrible company!

Absolutely terrible company!! They just feed off of your fear for your pet. They certainly lack transparency and not only reset your deductible amount every year, within your specific billing period, but they up your insurance amount constantly for “inflation” with little to no other reason. I don’t even recall them sending a notice that my premium was going up, they just started increasing my payments. Even during the years where we haven’t even used the insurance,‘our premiums go up. PLUS they have a fun little policy where they charge you co-pay on your deductible amounts! I have had multiple bills at the vet that are $400-$500 where they only end up paying out about $50-$100 because they make me pay 20% of the entire bill PLUS remove $300 deductible after they’ve already reduced the amount of the bill that they will cover by 20%. They also never cover the cost of tax! They’re scam artists and I couldn’t caution against them more!!!! We’ll be cancelling our plan and just putting the monthly amount we were paying into a high interest saving account as a rainy day fund for our pet. It’ll work out much better for us at the end of the day as I believe it would be much better for 90% of the other individuals with Fetch Pet insurance

Insurer: Fetch Canada

By: Chandra Fox

Verified November 05, 2025

Easy to navigate and compare prices

It was very easy to switch between plan options and check prices and compare. Sadly my older dog does not let me qualify for a family plan, so I did have to do 3 separate plans- but the upside is that MetLife will cover my 13yo shih tzu when other companies will not underwrite.

Insurer: MetLife

By: TakiWaki

Verified November 05, 2025

What peace of mind to have Spot Pet…

What peace of mind to have Spot Pet Insurance! They have taken care of my claims, rapidly, with no issues. They reimburse me quickly. I appreciate having Spot Pet Insurance for sure!

Insurer: Spot

By: Alicia Vargas-Williams, PMO Mgr, PMP, CSPM

Verified November 05, 2025

Our dog Ryders had spot insurance for…

Our dog Ryders had spot insurance for over a year now and she recently has to get surgery due to a blockage, Spot helped us get through it by covering 70% or it. We are super grateful to have them as provider. Highly recommend them.

Insurer: Spot

By: Orlando Castillo

Verified November 05, 2025

Great service

I have nothing but good things to say about SPOT. My pup Bullitt was diagnosed with a luxating patella. The cost of the surgery was expensive. I submitted my claim with the paperwork from the hospital and was reimbursed within a week. Easy to use. Thankfull to have it.

Insurer: Spot

By: Dawn Hoelzer

Verified November 05, 2025

Submitting a claim was so easy

Submitting a claim was so easy! I also appreciated the expedient processing time and the fact that Spot worked with my vet to get my dog's medical history since I wasn't able to provide it. It made dealing with the aftermath of the accident and surgery less stressful and took one more thing off my plate.

Insurer: Spot

By: Rachel Schmidt

Verified November 05, 2025

Quick and easy

Filing a claim with Spot was quick and straightforward — the online process is simple, and everything was processed fast. Reimbursements came through smoothly, and the customer service team was friendly, professional, and easy to reach. Overall, a great experience and real peace of mind knowing they handle things efficiently.

Insurer: Spot

By: Lucie

Verified November 05, 2025

Smoot claims process

Smooth claims process

Insurer: Spot

By: Cole White

Verified November 05, 2025

They’re quick on claims no hassle make…

They’re quick on claims no hassle make it very easy to file a claim and then find out how the claim goes through its process. Figo is a good insurance for all of our pets.

Insurer: Figo

By: Leland

Verified November 05, 2025

Easy to submit claims with fast response

Easy to submit claims with fast response

Insurer: Pumpkin

By: Kim

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