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.

64,597 total


July 23, 2026

They have helped so much when my cat…

They have helped so much when my cat had to be brought to the vet because of vomiting. They processed my claims fast and have reimbursed my money through direct deposit which is very efficient.

Insurer: Spot Canada

By: customer

July 23, 2026

More explanation of how to file a claim…

More explanation of how to file a claim for reimbursement would be helpful

Insurer: MetLife

By: Elle Jacobs

July 23, 2026

Young dogs can get sick too, invest before it’s too late

I would tell people how much I’m paying for pet insurance a month. Literally everyone called me insane and told me it wasn’t going to work or my dog was too young I didn’t need to pay for it now. That was all before my dog got diagnosed with life threatening chronic disease at the age of 4. What it took for him to get diagnosed and treated for this disease was thousands of dollars spent in ER clinics visits and overnight stays. He will need to be on medication and receive monthly care and injections for the rest of his life. As a young woman looking to buy a house and start a family soon, that adds up very quickly. Thankfully I didn’t listen to anyone else and still paid my monthly pet insurance fees to healthy paws. After the first claim (reading through his 200+ page medical reports), I now get reimbursed within a few days. My pup is doing great now but he still has his moments when he’s not feeling great and I’m so thankful I don’t have to make the tough decision of getting him the care he needs or paying rent. Thanks to healthy paws, I can call the emergency vet clinic and how I’m going to pay for bills is not even on my mind. Healthy paws has definitely made a positive impact on how mine and my pup’s life is turning out. I don’t even want to imagine what position I’d be in without them.

Insurer: Healthy Paws

By: Miranda Dresen

July 23, 2026

Easy to submit claims

Easy to submit claims. Received refund after meeting deductible.

Insurer: MetLife

By: Tre

July 23, 2026

I have insured 3 pets over the years

I have insured 3 pets over the years. Because of Pets Best I was able to make decisions based purely on what is in my pets' best interests instead of based on cost. My rescue pit bull had a chronic illness that eventually took her life and her final hospital bill was over $15k. Pets Best covered the vast majority of it. It was already an extremely devasting situation and it would have been so much worse without insurance.

Insurer: Pets Best

By: ONY

July 23, 2026

Pumpkin pays claims promptly.

Pumpkin pays claims promptly.

Insurer: Pumpkin

By: Robin Johnson

July 22, 2026

Very easy to make a claim

Very easy to make a claim, and payment came quickly!

Insurer: MetLife

By: customer

July 22, 2026

They are fast, reliable and reimburse claims

They are fast, friendly and actually reimburse for legitimate vet costs, unlike corrupt companies like Metlife Pet Insurance. Spot also offers a convenient way to file claims online or via email. Their monthly premium is excellent. The only Improvement I can think of. Is for Spot to insure rabbits as well. I highly recommend Spot Pet Insurance to all other dog owners.

Insurer: Spot

By: Timothy Lawrence-Rodriguez

July 22, 2026

Sent in my claim on Friday for a…

Sent in my claim on Friday for a medication prescription refill and received my claim being resolved by Tuesday and by Wednesday morning the money was in my account. They deliver what they promise thanks.

Insurer: Pumpkin

By: Renee

July 22, 2026

It was relatively easily to submit the…

It was relatively easily to submit the claim, and it was processed in a very reasonable period of time.

Insurer: Spot

By: Diane Legum

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