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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This is my first time having insurance…
This is my first time having insurance for our dog. I was happy with the turnaround time of the reimbursement and the amount that was covered.
Insurer: Fetch
By: Kimberly
Reviewed our claim and paid our account…
Reviewed our claim and paid our account within a few days
Insurer: Spot
By: Catherine Ricci
Spot is a great pet insurance company!
I am so glad I went with Spot Pet Insurance. In the first month of having the insurance our 7 month old Basset hound had to be spayed and then she accidently ate a needle with thread. She required emergency surgery. Spot was so easy to file a claim and they completed our claim in one week with a reimbursement to our checking account. I highly recommend this company!
Insurer: Spot
By: Ann Wilson
Spot was responsive (quick to respond) - 100% satisfaction!
Spot was responsive (quick to respond), diligent (no delays), and conclusive (made a decision on my claim and I immediately received a check). I highly recommend Spot Pet Insurance! We have had the insurance for several years and this was our first claim so didn't know what to expect but was 100% satisfied!
Insurer: Spot
By: Beth Califano
This insurance has been a lifesaver for…
This insurance has been a lifesaver for us. When we adopted our dog, we had no idea she would have the medical issues that she has, filing a claim is easy and receiving payment is fast. I recommend them to everyone I encounter who has a pet.
Insurer: MetLife
By: customer
I normally don’t leave negative…
I normally don’t leave negative reviews, but my pup had surgery about a month ago to remove a growing mass that thankfully turned out to be benign. The surgery was quite expensive, so I used the portal to file a claim. Unfortunately, the claim was denied because during our waiting period over a year ago we noted that our pup had a cyst on top of the skin (similar to a pimple) in the general area, but not the same area of the growth that later developed below the skin a year later. I’ve tried explaining multiple times that this is not the same issue that was originally noted in the chart, but I haven’t had any success getting that across. Prudent Health did open a dispute on the claim and reached out to our vet about a week ago, but there haven’t been any updates since. When I contacted my vet, they said they didn’t appear to have received the documents (or they may have been deleted accidentally), so I asked Prudent Health to resend them. I’ve reached out again to request that the additional document request be resent, but this whole process has been a nightmare and has created a lot of administrative burden. I do want to point out that the representatives I spoke with were very friendly and seemed genuinely empathetic and understanding, which is why I still gave two stars. However, the overall experience reminds me of insurance practices from when preexisting conditions weren’t covered and insurance companies used whatever pretext possible to deny the claims. I’m not saying that’s what’s happening here but eerily reminiscent. I’m hoping this is just an administrative oversight and that it gets resolved soon.
Insurer: Prudent Pet
By: Onyx Mosleh
Excellent coverage
The coverage is great and it's nice that they are expeditious in responding to claims.
Insurer: Trupanion
By: Audra Holland
Crazy Reason for Denial
I waited more than an hour on the phone to contest my claim that my dog's mass was a pre-existing condition. His waiting period ended on November 20th 2025. I saw the vet on February 19th because a small bump on his leg had started to turn scabby over the past few weeks. Told the vet during the visit that I had first seen the bump "maybe a couple months ago?" They denied it based on that claim- because "a couple months ago" would technically have been ONE DAY before the waiting period. Nevermind that it didn't start getting scabby until a few weeks ago. What a scam.
Insurer: Pets Best
By: Sarah Griffiths
Everything was quite easy
Everything was quite easy. We've never had pet insurance before and we chose ASPCA because of the cost and all of the things you cover. We are getting our first reimbursement soon!
Insurer: ASPCA
By: Wendy Ehrhardt
Filing claims and getting reimbursed is…
Filing claims and getting reimbursed is so quick and easy
Insurer: Trupanion
By: Karen