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.
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DO NOT use MetLife pet insurance
DO NOT use MetLife pet insurance. This is not a billing dispute — this is a company that took our money, confirmed their own mistake, and then made it structurally impossible to fix. Here is exactly what happened: 1. We paid premiums for an extended period — over $1,500 total. 2. When we filed claims, MetLife said they were approved and paid. We received nothing. When we called to ask why, a MetLife customer service agent confirmed that a one-digit zip code error IN THEIR SYSTEM had been sending every reimbursement check to the wrong address the entire time. 3. We tried to correct the address ourselves through their app — the app would not allow it. 4. We escalated to a manager. The manager told us the only way to fix the zip code was to cancel our policy and re-enroll. But re-enrolling after a cancellation would raise our rates — AND void all previously approved claims. In other words: their fix would erase the very reimbursements we were owed. 5. We attempted to cancel anyway.
Insurer: MetLife
By: T Parker
I have been with trupanion for almost 5…
I have been with trupanion for almost 5 years and since last two years added my second cat to it. Touchwood I have never needed them. Every year they have increased the fee which I was fine with till I thought they would actually cover the cost when I actually need them but guess what? Today is that unfortunate day- The cost of the treatment is slightly above 1k and you know what they covered??? 184.94. As soon as I walk out of the ER today - m canceling my insurance.
Insurer: Trupanion Canada
By: parika rajput
Spot Pet Insurance has been a lifesaver!
Spot Pet Insurance has been a lifesaver. I've never carried pet insurance before ... but this time I did and when my puppy got sick they were great to work with. Easy to use website for claims submissions and easy to work with their customer service team should a phone call be needed. I look forward to our continued relationship. Thank you Spot!
Insurer: Spot
By: Tom & Cookie
Great pet insurance company
Great pet insurance company! The claim submission process is smooth and most reimbursements arrive within just a few days.
Insurer: Healthy Paws
By: Mark Wallace
Very easy to make a claim
Very easy to make a claim. The company responds very quickly
Insurer: Fetch
By: Dra MJB
I am extremely disappointed with Spot Pet Insurance. I purchased coverage for my puppy believing they would help if something went wrong, but every claim I submitted was denied. My puppy was not diag
I am extremely disappointed with Spot Pet Insurance. I purchased coverage for my puppy believing they would help if something went wrong, but every claim I submitted was denied. My puppy was not diagnosed with any condition until after I had already purchased and paid for the policy, and I provided full veterinary records proving there were no prior issues. Despite that, they still refused every claim. In my experience, Spot offered no support when it was needed. I would not recommend this company and suggest pet owners look into other options for their fur babies.
Insurer: Spot
By: Chris
Fast processing time with direct…
Fast processing time with direct deposit! Excellent!
Insurer: MetLife
By: Linda Clark
Very Expediant Turn Around
Received my refund in a very expeditious time frame. No problems. It went directly to my checking account via direct deposit. All I have to do is take my cats to the vet, pay for services received, send the bill to claim department and receive my refund a couple of days later.
Insurer: MetLife
By: Kevin
Claim submission is so easy!
Claim submission is so easy and the response time is quick. Highly recommend!
Insurer: Spot
By: Cindy
Excellent coverage and turn around on…
Excellent coverage and turn around on payments. Multiple options to receive payments.
Insurer: Pumpkin
By: Andrew