154,902+ Pet Insurance Reviews You Can Trust

Processing claims…

I am so glad that I have Fetch Pet Insurance. My claim was processed really quick. It's nice to get a portion of your bill back. Whenever I had to contact Fetch, the representative was so helpful, understandable of my questions, professional and courteous.

Happy Customer

"Submitting the claim was simple. The payment was made in a timely manner. The amount paid was exactly what it was supposed to be so no having to debate the payment. The EOB was very easy to understand. I am extremely pleased! "

Claim file ease

Very easy claim file and quick response for reimbursement.

Pets Plus Us claim

Pet Plus Us insurance has been amazing to deal with for my dogs torn ACL treatment. The claims for treatment, including surgery, have been covered promptly and without question. The claims process is efficient, communication is clear and reimbursements are processed and deposited within a few days. The agents are friendly and knowledgeable and very compassionate. I would highly recommend this pet insurance company. 10/10

Claims denied over and over

It shows SPOT as #1 that is scary!!! Pet insurance - My experience with SPOT has been more effort than value! I'm hoping for better in the future or maybe a different company is better. You be the judge and what do you want to spend your time doing? tracking down appeals? They were so nice on the signup call and I elected for the premium "highest" plan and autopay monthly premiums. I understood things wouldn't be covered at 100%. I had no idea the leg work or if you get one visit a year and if an emergency comes up - every vet visit is denied. I pay the vet and send the vet bill in to create a claim. Claim gets denied. Rince and repeat. Never once has it been it easy. I don't spend this much time on my own medical insurance. I'll pay the stupid tax I've signed up for but not a fan. We have seen the vet only 4 times since I've started coverage, and my dog is 5 years old, thankful he's pretty healthy and I have gotten denial after denial. Told I'd have to appeal to have a claim reopened. Last claim was in December 2024 received email stating closed - denied - even though it was an emergency visit and all new things - not anything preexisting etc... $0 covered so its really hard to justify paying the monthly premium on top of the vet bill with $0% covered. Makes no sense. I've sent all records over 4 times; Vet sent all records over 3 times exactly as SPOT requested for them to be sent. Tried to call in a few times to customer service to figure out if I was doing something wrong - or needed to submit something different??? OR what hoops I'd need to jump through..... On hold on the phone with customer service for over 20 minutes and then they disconnected. What is your time worth?

Pets best look somewhere else

Claims easy to file but payment back is like 20% will be looking at different insurance

Pet Insurance Is a Must Have

Our dog will eat ANYTHING!

"Our 2 1/2 year old Pit Mix is a wonderful dog and a blessing in our lives. However, she is always looking for something to eat....ANYTHING. She swallowed a tennis ball and required stomach surgery. There weeks after the incident, I had received my check for the insurance amount due to the penny. No hassles or stalls, just the check. Purchasing Pet's Best is the smartest decision I have ever make. Mike"

Nothing is ever eligible - total waste of money

It doesn't seem to matter how long I've had my policy, all of my claims are always denied for some reason or another. Seems like EVERYTHING is a preexisting condition or not within the timeframe of the policy.... For me it's been a total waste of money. I could have paid for almost everything with the money I've spent in monthly insurance payments.

Metlife seemed promising at first

Metlife seemed promising at first, but our girl had an ER trip in December. Once a claim is submitted, Metlife estimates up to 5-10 days to process. When more than 10 days had passed, I called to check in on the status. I was then told processing times were running more like 15-20 days. When I mentioned that they estimate 5-10 days, customer service said that this had been brought to her attention, but the wait would still be more like 15-20. I asked if this lengthy processing time is what should be expected moving forward, but the woman seemed a little annoyed by my inquiry~ really though, I DO want to know because if this is what it's going to look like moving forward, then I want to switch companies!!!