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


Verified March 20, 2026

Easy to understand premiums and choose…

Easy to understand premiums and choose coverage.

Insurer: MetLife

By: Amy Lucas

Verified March 20, 2026

Exactly as we hoped it would be

Very happy with Spot. My kitty began coughing and breathing oddly and we took him to the vet. After further testing he was diagnosed with Asthma. We submitted invoices to Spot and after our deductible everything has been reimbursed at the rate specified, no questions asked and reimbursement sent in less than a week.

Insurer: Spot

By: Dawn U

Verified March 20, 2026

The claims are processed very quickly.

The claims are processed very quickly.

Insurer: Spot

By: Deborah Couch

Verified March 20, 2026

Quick claims handling is the best!

Quick claims handling is the best!

Insurer: Spot

By: Crystal Siegel

Verified March 20, 2026

I love spot

I love spot, my dog has been with them for 2 to 3 years now, they cover vaccines and everything, easy to talk to them, turn around time for the claim is 2-5 days. And my favorite I have a vet who I can text anytime I have questions.

Insurer: Spot

By: Alejandra Tovar

Verified March 20, 2026

Convenient billling

Takes the bill from vets office. Very convenient

Insurer: Trupanion

By: Lorene

Verified March 20, 2026

Very happy with Spot

Very happy with Spot, no issues with claims and direct deposit.

Insurer: Spot

By: Mari Quiroga

Verified March 20, 2026

Mostly satisfied and I do recommend.

I have been using Metlife for my 2 dogs for about 2 years. I am generally satisfied with their coverage. One of the problems that I have had is their computer generated emails that my claim has been denied. I end up having to call and have them re-process the claim. This has happened on several occasions and has been my biggest gripe. Use real customer service, NOT the computer. So much is lost in the way of this, and it is so time consuming and aggravating being denied, when I know what claims are covered. Besides that, I would recommend them and it gives me peace of mind to know that most of my claims are reimbursed.

Insurer: MetLife

By: ANTOINETTE Toni Cosmi

Verified March 20, 2026

This is good

It was fats and easy

Insurer: MetLife

By: Joel Sanchez

Verified March 20, 2026

Quick and easy to file a claim

Quick and easy to file a claim

Insurer: MetLife

By: Tonie Cameron

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