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.

64,641 total


April 23, 2026

We filed a claim and our insurance rate…

We filed a claim and our insurance rate doubled every month. Talked to them and said that happens and wanted me to take some things off the insurance plan to bring it down a little bit. To have it doubled is pretty bad, so disappointed in the insurance. So beware if you file a claim!!

Insurer: Embrace

By: Becky Sewell

April 23, 2026

Adopted shelter kitten, insurance was pointeless

We signed up for coverage after receiving marketing materials and pamphlets at our local shelter. Those were all super misleading, making us believe that we would get coverage for routine/preventative care. That turned out not to be the case and all our claims for vaccines and other routine kitten care (over $600, which we assumed would kick in after our $250 deductible) were denied. That came as a surprise for us, even after reading the fine print! When we called to ask for an explanation of benefits, etc. we were simply advertised to again saying that we needed to opt into an even more expensive plan. I would NOT recommend this insurance company if you've got an average/healthy pet. Waste of money every month.

Insurer: Fetch

By: Amal

April 23, 2026

It was unexpected that my dog would end…

It was unexpected that my dog would end up with a lot of medical issues, but Healthy Paws has been amazing in processing and reimbursing. I am grateful.

Insurer: Healthy Paws

By: Lisa Dorris

April 23, 2026

Easy to access and complete a claim

Easy to access and complete a Claims Form request. Straight forward and easy to upload claims Info and pictures.

Insurer: MetLife

By: customerGlenn

April 23, 2026

The ease of applying for reimbursement…

The ease of applying for reimbursement and the quickness of the review and approval is great!

Insurer: Spot

By: Elizabeth Mccann

April 23, 2026

Excellent customer service and quick…

Excellent customer service and quick approval of a claim. I consider it a very professional company.

Insurer: Spot

By: Jose Gonzalez

April 23, 2026

Fast reimbursement and easy to upload…

Fast reimbursement and easy to upload claims

Insurer: MetLife

By: customer

April 23, 2026

MetLife has been great

MetLife has been great. Always fast to respond. They are honest and straightforward. Our claims are processed quickly.

Insurer: MetLife

By: Ken Muller

April 23, 2026

Amazing experience

Amazing experience. Payment was easy and quick. They even made pre-approvals easy. I was introduced to this insurance through my neighbor who loved it. Now we do too. Highly recommend SPOT!

Insurer: Spot

By: R C

April 23, 2026

I put in the claim and the process went…

I put in the claim and the process went through quickly and a timely manner and the money was in my account

Insurer: MetLife

By: customer

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