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.

64,657 total


October 24, 2025

Choose another company for your puppy's insurance.

Filed multiple claims for ER visits for my 1 year old puppy that all took place within a week. It took them almost a to payout any claim at all and when they did, they barely covered it. To be exact, they paid 1/3 the expense at most. They found any reason possible to deny coverage of medications, office visits, etc. Not happy with this insurance at all.

Insurer: Pets Best

By: Colton

October 24, 2025

Rapid response to reimbursement for …

Rapid response to reimbursement for treatment for our dog

Insurer: Spot

By: Anastasia Kazarian

October 24, 2025

Very happy with everything that is…

Very happy with everything that is covered for our boy Winston.

Insurer: MetLife

By: Nicole Mayer

October 24, 2025

Spot makes the claims process quick and easy!

Spot makes the claims process quick and simple. When I provide the necessary input, my claims were settled fairly in a day or two. Outstanding service, and very simple.

Insurer: Spot

By: DT

October 24, 2025

They processed the claim quickly

They processed the claim quickly

Insurer: Spot

By: Clair Reed

October 24, 2025

Frustrating experience for one of our pets despite years of coverage

We’ve had MetLife Pet Insurance for our three pets for several years. Our dogs’ claims have been fairly standard, and the new website is an improvement that makes tracking submissions a little easier. Unfortunately, our experience with our cat has been extremely frustrating. Despite multiple veterinary evaluations confirming his issues are not chronic, MetLife continues to classify them as chronic and pre-existing to avoid coverage. We have not received reimbursement for any of his conditions and are now working with the California Department of Insurance to resolve the matter. MetLife has even gone as far as denying coverage for a medication that is not directly associated with the condition they labeled as chronic. MetLife can and should do better in providing fair and transparent coverage for pet parents who have medical documentation to support their claims.

Insurer: MetLife

By: Customer

October 24, 2025

My claims were processed quickly.

My claims were processed quickly.

Insurer: Healthy Paws

By: Melissa Gentile

October 24, 2025

Crucial as your pets age.

My little boys, Stewie and Shane, father and son Chinese Crested's were covered with Pet's Best the majority of their lives. As they got older the medical bills increased as they tend to do. Medications and medical procedures became a part of life and that is when Pet's Best truly showed its value. Other pet parents and veterinarians highly recommended Pet's Best when I asked around about pet insurance and now I know why. You can tailor the coverage and deductibles that are right for your finances and when you actually have to use it the claims process is very straightforward through your Pet's Best account online, and the customer phone support people couldn't be more caring, helpful, empathetic and knowledgeable. Stewie and Shane have passed over the rainbow bridge, and while I am crushed emotionally, Pet's Best has made the financial part much less crushing. I will recommend this company to all pet parents for the rest of my life.

Insurer: Pets Best

Veterinarian: Battletown Animal Clinic

By: Aaron

Useful
October 24, 2025

They paid our dog's claim pretty…

They paid our dog's claim pretty quickly after we filed the claim.

Insurer: MetLife

By: Karen Halse

October 24, 2025

Metlife was very efficient

Metlife was very efficient. Reviewed our claims quickly and we were very satisfied with the results.

Insurer: MetLife

By: Jill and Cody

Compare top pet insurance providers plans.

For puppies and kittens, please estimate your pet's full-grown weight.