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.

62,710 total


Verified June 06, 2026

Fast and quick reimbursement

Fast and quick reimbursement! Easy, too!

Insurer: MetLife

By: Julie

Verified June 06, 2026

That you handle the claim quickly

I submitted my claim and it was handled pretty quick

Insurer: Fetch

By: Bankhead

Verified June 06, 2026

Spot does what Spot promises to do

Spot does what Spot promises to do: it reimburses 90% of my vet bills after the annual deductible. Easy claim processing; easy communications channels; direct deposit for quick reimbursement. Sadie Killmouski and I are quite satisfied.

Insurer: Spot

By: Shannon

Verified June 06, 2026

Claim for a severed TPLO denied

My claim for a severed TPLO was denied. The adjuster said it was a pre-existing condition based on the fact that my dog had had surgery for a luxating patella a year prior. Totally different leg, totally different body part (knee vs. tendon), yet this was deemed preexisting. Completely false and unacceptable

Insurer: MetLife

By: Dara G

June 06, 2026

Decided to stop covering my cat’s heart disease

When they do cover stuff, they’re great. But I’m very frustrated that after two years of covering my cat’s heart disease, they THEN decided to declare it a pre-existing condition, even though she didn’t have a diagnosis prior to me having this policy. That part I’m very unhappy about. But when they cover other vet care, they’ve been great.

Insurer: Pets Best

By: Cecily Scovin

Verified June 06, 2026

Mass removal

Process claim immediately thru vet clinic and was a relief to have that taken care of

Insurer: Trupanion

By: Marci

Verified June 06, 2026

Great insurance!!

Great insurance!!! Very fast pay on my last claim!!! Thank you!!!

Insurer: MetLife

By: Sharon Ardelean

Verified June 06, 2026

In the past it’s taken up to 3 weeks

In the past it’s taken up to 3 weeks, but recently payout has been as fast as 24 hours from submission. Also, so far, have been reimbursed 100% of what was promised.

Insurer: MetLife

By: Joss

Verified June 06, 2026

Metlife pets was there when I needed…

Metlife pets was there when I needed them. PeeWee was in distress on a Friday night and had to go to the emergency clinic as my vet was gone for the weekend. PeeWee was helped and Metlife paid my claim in 4 days. They are the best!

Insurer: MetLife

By: James Cutler

Verified June 06, 2026

Quick smooth process

Fast and responsive claims process with multiple options on reimbursement. I was very pleased with the amount I received back on my very first one!

Insurer: MetLife

By: P. Nelson

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