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.
60,642 total
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It is easy to submit claims
It is easy to submit claims, and the wait time is reasonable. The communication with steps in the process is through and the staff is always kind if I have questions.
Insurer: MetLife
By: Gina Cauthen
First of all my experience with spot is…
First of all my experience with spot is the coverage that I have on my two German Shepherds is very inexpensive for the coverage that I have which is unlimited. The amount of money that I receive back is very generous and pays for most of my invoice with little to pay back. The claim process is made very simple and the time in receiving my payment is very short timeframe that I am impressed with. My whole process and experience is absolutely phenomenal.
Insurer: Spot
By: Mario Cristaldi
Thumbs down for Pets Best
Pets Best NEVER resokve the claim in my favor, and they take ages to respond.
Insurer: Pets Best
By: Paula
Quick and easy process on app.
Quick and easy process on app.
Insurer: Spot
By: Van M
Smooth sailing
The process went smoothly after we were able to get our pet’s previous medical records. The refund was quick and they offered a detailed explanation of coverage. We’re happy with our experience so far!
Insurer: Spot
By: Mariana Noto Guillen
Quick and easy
Signing up with Met Life was quick and easy. I like the amount of coverage for the payment price and my cat now has some protection.
Insurer: MetLife
By: Dee
I’ve tried several pet insurance…
I’ve tried several pet insurance companies over the years, but none really felt right so I kept changing. After doing some research a few years ago, I decided to go with Spot and I’m really glad I did. One thing that stood out was their willingness to cover older pets, which isn’t easy to find. Overall, their plans, pricing, coverage, and customer service have been great, and I’ve been very satisfied with my experience so far.
Insurer: Spot
By: Mahmoud kaled
I will change insurance company
Your company is extremely unprofessional. Not only are claims processed very slowly, but there are always excuses for why I don’t receive reimbursement—even when the policy clearly states that I should. In my previous two claims, I was repeatedly told that documents were missing, despite both myself and my dog’s veterinarian submitting everything required. This pattern of disorganization and excuses makes it feel like your company is intentionally avoiding approvals. On top of that, your recent internal changes have made it nearly impossible to contact customer service. My calls are never returned, and reaching support is frustrating. I will be switching to another insurance provider as soon as possible. I am completely exhausted with the claims process and dealing with your company.
Insurer: Pets Best
By: Pacharaluck
I am extremely dissatisfied with this…
I am extremely dissatisfied with this company. I faithfully paid monthly premiums for months, and when I needed coverage for my dog’s surgery, they denied my claim without justification. I wish I could put Zero Stars.
Insurer: ASPCA
By: Ati Hagh