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.

64,617 total


June 28, 2026

The MetLife policy is new to me this…

The MetLife policy is new to me this year. So far they have been excellent with the claims that I have submitted.

Insurer: MetLife

By: Robin

June 28, 2026

Quota are easy…coverage isn’t

Submitting a quote is pretty straightforward and easy, and they do tend to send reimbursements promptly. I’ve recently had a series of claim submitted due to “pre-existing conditions”. To me this is outrageous, deemed illegal for humans, and inhumane. I don’t know if all pet insurances do this, but for this reason, I would not recommend MetLife.

Insurer: MetLife

By: Christie

June 28, 2026

First time using Spot

First time using Spot, and I'm pleased by the response. Filing online was easy, and form upload was very straightforward. The claim took 2-3 weeks to process, and I received email notification that the claim had been approved and that a check was in the mail. (Yes, a real, paper check.) After paying the deductible, my cat's ER visit was less than $200. Here's hoping I won't need it again, but cats ARE cats.

Insurer: Spot

By: maxi

June 28, 2026

Stress Reliever

The insurance is made to do exactly what is meant. Having this insurance really helped when Dior unexpectedly got sick. I'm so glad I purchased it because it allowed me to not feel stress over getting her the help she needs.

Insurer: Spot

By: Camryn L

June 28, 2026

Ease of filing a claim.

Ease of filing a claim.

Insurer: ASPCA

By: Debra Sanders

June 28, 2026

Quick turnaround of claims submitted

Quick turnaround of claims submitted

Insurer: MetLife

By: Rosa

June 28, 2026

Easy and fast claim process

Very easy to make a claim using their app. Pets Best reviewed immediately and was reimbursed quickly.

Insurer: Pets Best

By: Judy

Useful
June 28, 2026

I am super impressed about how fast…

I am super impressed about how fast this company pays their claims. I had low expectations and they have way exceeded any other pet insurance I have had.

Insurer: MetLife

By: kking

June 28, 2026

Very easy to submit paperwork

Very easy to submit paperwork. Direct deposit was helpful.

Insurer: MetLife

By: customer

June 28, 2026

Fast reimbursement

The reimbursement was super fast

Insurer: MetLife

By: customer

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