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 14, 2026

Beware--they will adjust your yearly…

Beware--they will adjust your yearly premiums (which I expected) but they also adjust your COVERAGE which is not what I initially agreed to. This is absurd, being dropped coverage, increasing deductibles, and increasing premiums too! Totally not worth it for the coverage you get (ESPECIALLY in a high cost of living area, where their max payout doesn't change but premiums do), there are better options out there that direct bill as well. And they make it difficult to cancel as you have to call. Will never get for another pet or recommend doing so.

Insurer: Fetch Canada

By: Stephanie

Verified January 14, 2026

Easy to enroll with multiple options to…

Easy to enroll with multiple options to choose from so you can personalize your coverage.

Insurer: MetLife

By: Pat Leach

Verified January 14, 2026

Super easy and 10/10

Super easy and quick to use! I’ve never had pet insurance before but this was definitely worth it. Probably one of the best decisions I’ve made. I filed my first claim and it was super simple through the app and I got the response in a week. Love it

Insurer: Spot

By: Jocelyn Cardenas

Verified January 14, 2026

You make everything easy

You make everything easy. From filing the claim to receiving the money. It's good to you're on my side ☺️

Insurer: Spot

By: Ilene Lipson

Verified January 14, 2026

Response is quick

Response is quick. Reimbursements are processed quickly.

Insurer: Spot

By: Valerie Reeg

January 14, 2026

easy to submit claims and fast turn…

easy to submit claims and fast turn around .

Insurer: Pets Best

By: Jen Green

Verified January 14, 2026

Filing my claim was so easy and…

Filing my claim was so easy and reimbursement came much quicker than I expected. I was also thrilled that SPOT worked with my vet to get medical records, much more easily than I could have done.

Insurer: Spot

By: Mary Elizabeth Smith

Verified January 14, 2026

MY FIRST EXPERIENCE WITH PLACING A…

MY FIRST EXPERIENCE WITH PLACING A CLAIM FOR MY DOG. IT WAS SO SIMPLE AND RESPONSE WAS FAST. VERY HAPPY.

Insurer: Spot

By: Guest

Verified January 14, 2026

We have had nothing but good…

We have had nothing but good experiences with MetLife Pet Insurance. The coverage is great, claims are easy to file and reimbursements are received in a very timely manner.

Insurer: MetLife

By: Sarah H

Verified January 14, 2026

Quick Payment

Clearly stated what they needed and paid within 1 day of approval of claim.

Insurer: Spot

By: Morgan Studer

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