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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Spot Pet Ins. Great coverage - 80%/$5K
Spot Pet Insurance that we enrolled in as of April 2025 with coverage for our two Chihuahua's has been great ! Their Claims Service Dept. has been very responsive & quick to act on our multiple claims for our pet from (meds to major surgery). Their several requests for additional medical records on our pet was handled quickly. The autopay for monthly premiums is great! Claims submission & reimbursement via direct deposit has been Excellent ( 7-10 days) Very satisfied with insurance at present!
Insurer: Spot
By: Ed Bryce
Submitting an appeal.
While I was looking for pet insurance, our puppy had a bad episode of vomiting & diarrhea. He had giardia. 2 months after I got the insurance he was brought in again for the same symptoms. This time it was pancreatitis. For sure I thought the insurance would reimburse me but it was denied because it was seen as a pre-existing condition. I called metlife & spoke with Rose, explained our story & she assisted me in appealing our claim. She was very informative & detailed in getting it done. I sent in the appeal form with a health statement stating that these episodes were not related & a new diagnosis. Within a week I was reimbursed. The prescription food that our dog needs is also covered by the insurance now. Submitting a claim is very easy. Although submitting accurate documents are important so that the insurance can understand the difference in each claim. I'm glad I found this insurance company thru my work. I really appreciated Rose's patience & assistance.
Insurer: MetLife
By: Millie
Hassle free
Very easy to submit the records from our visit and only a few days to get back the money. So glad I went with Spot!
Insurer: Spot
By: Colleen M
Spot is quick to process claims and…
Spot is quick to process claims and submitting is very easy. Great value for the price.
Insurer: Spot
By: Melissa
Trupanion is a great pet insurance
Trupanion is a great pet insurance. They reimbursed me very quickly after my dog’s CCL surgery.
Insurer: Trupanion
By: beverly parrish
Happy that they’ve covered parts of my…
Happy that they’ve covered parts of my claims so far.
Insurer: Trupanion
By: Margery
You were so quick processing the claim…
You were so quick processing the claim and we received the payment before we received our credit card bill.
Insurer: Pumpkin
By: Susan B.
Always fast with no problems on a claim
Always fast with no problems on a claim
Insurer: MetLife
By: Robert Eppler customer
very quick to handle my claims
very quick to handle my claims
Insurer: MetLife
By: michael santacroce
Glad I switched to MetLife
So easy to use and with in a few days they send you your share. I’m glad I switched to Met life pet insurance.
Insurer: MetLife
By: Marie