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.

58,461 total


Verified December 21, 2025

Ai based claim reviews make life harder

I consistently have to follow up after every single claim that I place because their AI based automatic review takes 3 days and then incorrectly flags things about 9 out of 10 times. This adds between 15 minutes to an hour to every claim that I have to submit so far. Additionally, there is no way on the website to submit a a request for additional review or dispute, you have to call in doing business hours. And if your work schedule is flexible, this works out okay I guess, but it's not ideal.

Insurer: MetLife

By: customer

December 21, 2025

This company is very bad

This company is very bad, I had my dogs insured with them since they was baby after 10 years they canceled the apólice, when my dogs really need them , they canceled my plans. Don’t get them , do not worth it

Insurer: Nationwide

By: sonia figueiredo

Verified December 21, 2025

They are always very helpful and my…

They are always very helpful and my policy is clear cut, so is filing out claims !

Insurer: MetLife

By: customer

Verified December 21, 2025

Customer service has always been…

Customer service has always been amazing, they pay claims very quickly!

Insurer: Spot

By: Joann Smiley

Verified December 21, 2025

Fast and efficient!

Fast and efficient!

Insurer: Fetch

By: Sally

December 21, 2025

85% Increase Due to Move

We've had one claim for the three pups we have covered. The process was easy and reimbursement was not delayed. Premium increases annually were inline with my expectations. However after being a customer for six years, we moved 150 miles away and our premium increased 85%. I understand the increase as pets age but the 85% increase was due to the move. The customer service rep was not friendly but not rude. He seemed only to read a script - it was robotic. We'll obtain quotes from other companies when we have a new pet.

Insurer: Embrace

By: Jennifer Sanford

Verified December 21, 2025

Just like any other insurance company

Just like any other insurance company; you pay in sooo much money every month. Then if you have to file a claim, they raise your rates. It should be illegal.

Insurer: Spot

By: Ashley Grosz

Verified December 21, 2025

Very fast with processing claims

Had an amazing experience. Very fast claim processing. Easy to navigate!

Insurer: Spot

By: Cecily Buchanan

Verified December 21, 2025

I’ve been happy with this insurance so…

I’ve been happy with this insurance so far, but I do with there was an option for 100 coverage after the deductible is met instead of 80%. Maybe there is one and I’m not aware. Also, sometimes it takes a little longer to get reimbursed for a claim but overall not bad.

Insurer: Spot

By: Ariana Johnson

Verified December 21, 2025

Easy to submit claims online

Easy to submit claims online. Quick to respond to questions. Direct deposit for finalized claims.

Insurer: MetLife

By: Dr. Sumner

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