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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My Italian greyhound
My Italian greyhound recently had two skin cancer surgeries. Heathy Paws was very responsive to my claims and reimbursed us for 80 % of the procedures (as written in contract) within a week of my submittal. They are a huge support for the care of our Buddy. Thanks!
Insurer: Healthy Paws
By: Gary Merz
Very Happy Customer for 3+Yrs
I am sooooooo happy with MetLife Pet insurance!! They pay out a generous amount for accidents/emergency care (90% after the yearly deductible). After MetLife settles a claim, they explain exactly how much they’ll pay out and how it relates to your coverage. Also the app is very user-friendly & you can complete pretty much all tasks on there related to your insurance. I highly recommend this company if you’re considering pet insurance!
Insurer: MetLife
By: Nika
I'm grateful for ASPCA pet insurance.
We have had this insurance for a number of pets for many years. The claims are easy to submit and payment is prompt. What really made me decide to make an effort to promote ASPCA insurance by word-of-mouth and on social media were two transactions. First, we had a Rhodesian Ridgeback female who at about 12 years of age developed malignant melanoma. Our vet referred us to an oncology vet, who began the administration of a drug to slow down the disease. The drug was very expensive, over $600 each visit every few months, but it did allow our girl two more years of good life. When I first submitted a claim to ASPCA insurance, they denied it because they said it was an experimental drug. Our oncology vet had told us that it indeed was still experimental in humans, but was approved for use in animals. When I communicated this to ASPCA, they checked into it and immediately began reimbursing her treatment. They paid about half the expense of this drug, and our cap was reached just after her death. Second, our older cat developed a tumor under her chin, which was so hidden that it was well advanced when we discovered it. Our vet did a biopsy determining that the tumor was malignant and referred us to a surgical vet, who examined her and said he could remove the tumor but it would leave her grossly disfigured and she would probably have difficulty eating. We decided to let her go, making her as comfortable as possible until her time came, when we contacted a pet hospice, and they came to the home to give her a peaceful death. I got busy with many other matters and kept putting off submitting the claims for her. When I finally got around to it, it was over the deadline for submitting claims, and at first ASPCA insurance denied the claim on those grounds., and I understood why. Shortly thereafter, without any protest from me, I received an email that said the were going to reconsider and might make an exception for our claim. They did and recently reimbursed us for 60% of her expenses, after the deductible. What this demonstrates to me is that there are compassionate people at this company, that they are loyal to longtime clients, and that they work with you instead of in opposition. Thank you, ASPCA insurance.
Insurer: ASPCA
By: Sherry Cowden
I recently lost my fur baby and…
I recently lost my fur baby and submitting my claim for my pet was tough and yet easy to do in my current situation. Spot insurance quickly processed my claim and also closed my account earlier and prorated the last month bill. They were professional and compassionate in my time of need, definitely a great pet insurance. They still have my business with my other fur baby.
Insurer: Spot
By: Dennis Cruse
loophole for everything. Just not worth it
Intentionally vague and misleading when you sign up, so they can have a loophole for everything to get out of paying. I had a 80% reimbursement policy for accident and illbess as well as 2 add ons for pt and alternative medicine. They paid me $50 for a $2000 er trip and are weasling out of every bill. Ex: apparently "alternative medicine" add on only covers NON-alternative medicines. So wtf am I paying extra for??? Literally cheaper to just pay the ER prices.
Insurer: Figo
By: Romulus Rabalais
Turn around time to receive…
Turn around time to receive reimbursement as improved greatly.
Insurer: MetLife
By: Jennifer Alegre-Guzman
Ease of submission and reimbursement
Is good to have pet insurance when your pet gets injured, good to have when you need it. Is easy to file a claim and get answers within 3-5days
Insurer: MetLife
By: pti
Great experience so far
I've had Spot for less than a year and already had to submit 2 claims. I've had a great experience with Spot. The agent who signed me up was very nice and knowledgeable, and the customer service representatives I've spoken to have also been incredibly helpful. The process is fast and easy. I was worried that I would face issues (like all interactions with health insurance) but I was wrong! Spot even covered more than I thought they would. My only recommendation is to make sure you read AND UNDERSTAND your policy. Know what is covered, what is not covered, and when you will get reimbursed.
Insurer: Spot
By: Molly Maurer
We have a lot of claims already…
We have a lot of claims already submitted, but we only received 2 payments from them yet. I dont know if this company is recommendable.
Insurer: Embrace
By: Dalia King Official
Peace of mind
Fast and hassle free claim processing and no disputes about anything that is covered in our policy. It’s given us peace of mind, especially after our dog was diagnosed with what is a chronic condition.
Insurer: Healthy Paws
By: Gwen Seeley-Joosse