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


February 20, 2026

Spot was there when it mattered most.

In one of the most difficult times in my life as a dog mom, Spot seemlessly managed the bills I submitted. I didn't need to jump through hoops as I have with other insurance companies. Instead, I was able to simply submit my bills and the payment came quickly and without issues. It made an extremely difficult time, less stressful knowing Spot was there to help.

Insurer: Spot

By: sandra McCulloch

February 20, 2026

Great app

Great app. Claims are easy to submit, reimbursement is quick, and customer service has been excellent. I feel confident knowing my pet is protected

Insurer: MetLife

By: Todor Trukov

February 20, 2026

Such Great company and Insurance for…

Such Great company and Insurance for our doggy Rocky paid great for his Knee surgery after his injury:)

Insurer: Spot

By: Rebecca Crowder

February 20, 2026

Great service!!

Great service!!! Quick resolution to my claim. I highly recommend them

Insurer: MetLife

By: Charlotte

February 20, 2026

I find there's not much change from…

I find there's not much change from last year. I believe Melissa had mentioned at the end of last year that there was a technology migration for overall better service. Too me it looks as if the migration is still migrating! The website takes for ever to load and when it does functionality drags. No, it's not my computer. I have high speed internet and a new quality system. That being said the other issue I found is that claims seem to have moved a bit quicker but where is my cash? PetsBest gets their premiums on time regularly but lag in getting mine. Last issue, amount paid per claim, now unless I missed it the amounts paid out haven't changed since I joined. A wellness exam is quite expensive these days and their payout is a small fraction. Hopefully PetsBest will upgrade their tech issues and their payout amounts this year and going forward.

Insurer: Pets Best

By: CARY & AMY STEIN

February 20, 2026

We had a very nice experience with…

We had a very nice experience with Embrace. After we misplaced reimbursement checks, their support team quickly checked the status, confirmed they were not deposited, and issued replacements without any hassle. Everything was handled smoothly. 😄

Insurer: Embrace

By: Valerie

February 20, 2026

Satisfied Policy Holder

I've had nothing but the best results on all of my claims submitted. There was one instance where I disputed a claim. It was resubmitted and processed to my satisfaction.

Insurer: MetLife

By: Stephen Neimeister

February 20, 2026

Extremely easy!!

Extremely easy to compare and edit policies to get the exact coverage that I need clear concise and I understand not only the coverage but the process for filing a claim, I can rest assured, knowing that I’m covered and that my pet is taken care of in the event of an emergency 10 out of 10 would recommend

Insurer: MetLife

By: Megan

February 20, 2026

Easy Claim Subnissions

My claim was easy to submit, and it was processed in a timely manner. The communication throughout the process was also great

Insurer: MetLife

By: Brian S

February 20, 2026

Couldn't be happier

Submitting form is very easy. Communication is wonderful. Processing the claims is very fast along with reimbursement. MetLife has exceeded my expectations.

Insurer: MetLife

By: Willys Mom

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