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.

58,154 total


January 24, 2026

Care for our high maintenance dog.

Bentley is a high maintenance dog but thanks to Pets Best, he has always received excellent care. Their premiums have been reasonable, claims are dealt with quickly, fairly and with consideration for his wellbeing. We could not recommend Pets Best more highly.

Insurer: Pets Best

By: John Cunningham

January 24, 2026

The worst pet insurance company we have…

The worst pet insurance company we have had. They actively work to frustrate you and don’t pay claims. In the 2 years we have been with them they denied every single claim. I have never seen a company hire people who work so hard to not do what they are supposed to do. Every claim is denied and followed up with emails requesting specific doctors notes and chart records. After jumping through the hoops to get those they denied all claims. They are cheap for a reason.

Insurer: Prudent Pet

By: Mark

Verified January 24, 2026

Easy to file a claim

Easy to file a claim, quick reimbursement. I was very impressed with the ease and efficiency of the process! Also appreciated the first question they asked (online) was if my dog was okay.

Insurer: MetLife

By: MP

Verified January 24, 2026

Their policy is not clear on how to…

Their policy is not clear on how to determine incurable conditions and that they are not covered under the preventative plan. The entire insurance industry is a scam and they are one of the front runners. Their phone rep informed me the reason for claim denial was because the condition is incurable and hence not covered while in their explanation of benefits it’s stated that the claim was made within the 180days of getting the insurance and that’s why it was denied. So which is it?!?! Taking all of this into consideration I’ve decided to take my business elsewhere. Never received a penny on any of my claims. They always had some made up reason to deny coverage. SHAME ON THEM!

Insurer: Spot

By: Priyanjali Sinha

Verified January 24, 2026

Great Customer Service

Easy to choose coverage. Representative I spoke to was knowledgeable and assisted me in a quick and easy manner

Insurer: Nationwide

By: Suzanne

Verified January 24, 2026

Very easy to upload and submit a claim.

Very easy to upload and submit a claim.

Insurer: MetLife

By: Robin McCarty

Verified January 24, 2026

Worth the money

Intuitive, easy-to-use, and incredibly quick at processing claims, Spot has been so great to have. My dog has had a few additional medical procedures, and I have never gotten any pushback on claims I filed, but a timely and relatively big reimbursement, at a pretty affordable/competitive monthly rate. It's been such a relief. Worth every penny!

Insurer: Spot

By: Siham Zniber

Verified January 23, 2026

Easy submission and fast reimbursement.

Easy submission and fast reimbursement.

Insurer: MetLife

By: customer

Verified January 23, 2026

Fast and easy

I found this pet insurance and it was highly recommended by a friend. The application process was easy and the coverage is solid; looking forward to getting started!

Insurer: Nationwide

By: KLO

Verified January 23, 2026

I have only submitted my first claim

I have only submitted my first claim. It was easy to submit. The response from Spot was quick. The payment of the entitled funds was also quick. So far very pleased with the company. I did speak with two separate agents when I had a question. Both were polite, professional and responded clearly.

Insurer: Spot

By: Thomas Duncan

Compare top pet insurance providers plans.