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


July 11, 2026

It was fast and easy to submit a claim…

It was fast and easy to submit a claim and the processing time was very quick.

Insurer: MetLife

By: customer

July 11, 2026

Direct pay at the emergency hospital…

Direct pay at the emergency hospital was amazing. reimbursement for the earlier urgent care took three days only. What a relief

Insurer: Trupanion

By: tadmd

July 11, 2026

Well worth the low monthly premium

My 1.5 year old Yorkiepoo has allergies and receives monthly shots. Also, had him at the ER recently which was quite costly. The App is so easy to submit the claims and the response time is phenomenal! We received our large ER reimbursement in 3 days from my submitting same. The allergy shot reimbursements are just as quick! I am so pleased with Spot Pet Insurance and highly recommend it.

Insurer: Spot

By: Susan Gambichler

July 11, 2026

They took care of my claim quickly…I…

They took care of my claim quickly…I was paid in a few days. They are the best!

Insurer: Pets Best

By: Marie Washburn

July 11, 2026

Very grateful for Spot

Very grateful for Spot! My cat just had an emergency and it was really easy to submit my claim. I was really surprised at how fast they processed it and got me my reimbursement. I thought because it was a large amount it would take longer but it didn't. Less than a week. My only complaint is that you can't change parts of your plan after you've already made one. This experience made me realize I need to change my annual refund limit, but, even at a new year you can't change it. I'd have to cancel and make a new plan.

Insurer: Spot

By: Jessica S

July 11, 2026

Fast and accurate claim response

Fast and accurate claim response. I’m very pleased with the 2 claims and associated processing.

Insurer: Spot

By: James Mccauley

July 11, 2026

They pay the claims so quickly and pay…

They pay the claims so quickly and pay very well. I’m very happy with them.

Insurer: MetLife

By: Stephanie

July 11, 2026

Thank you for processing my claim!

Thank you for processing my claim!

Insurer: MetLife

By: Cathy Carey

July 11, 2026

Simple process to make a claim and get…

Simple process to make a claim and get your settlement.

Insurer: Spot

By: Dale Markel

July 11, 2026

I am thankful to have Pet's Best…

I am thankful to have Pet's Best insurance. I insured 3 dogs who had multiple surgeries for joint issues. Pet's Best paid quickly the 80% and it saved me from running out of my retirement money. The 3 dogs had the same Mom & Dad and I am sure their issues were genetic. Two have passed away, but I still have my sweet boy. He recently had FHO surgery and was recently diagnosed with Cushing's Disease. Pet's Best continues to help me with his medical needs.

Insurer: Pets Best

By: Christine Meade

Compare top pet insurance providers plans.

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