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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Nightmare claim process
We adopted a 13 month old cat from a rescue shelter in Oct 2025, established a vet account with an initial exam and then purchased insurance from Spot. In late Nov 2025 we had a return visit to the vet for a minor medical issue. We submitted an online claim, mainly to see how the process worked since the dollar amount was only $81. Well, weeks later we receive an email stating that health records from 1/1/2024 are required. We had sent all records available already during the claim process, and being a rescue, the oldest records were from Sept 2025 when the cat was processed by the rescue center. I called the Spot help line trying to explain that there are no health records prior to being rescued. I was assured that this information would be passed on and the claim would be processed. Several days later we get another email reiterating the requirement for health records from 1/1/2024 to be supplied or the claim would be denied. At this point we cancelled the policy. If health history is required for the first claim, the information required should be part of the policy application not months after paying and discovering that Spot does not know how to process a first claim for a rescue with limited health history.
Insurer: Spot
By: Gb
Spot Pet Insurance offers comprehensive…
Spot Pet Insurance offers comprehensive coverage, easy claims, and excellent customer support. A reliable choice for keeping pets healthy and protected.
Insurer: Spot
By: chemmy K
I am very pleased with the customer…
I am very pleased with the customer service and the ease of submitting claims. I have had two of my pets insured with Met Life, most recent was Holly…who recently became very ill and passed on 12/5
Insurer: MetLife
By: Margaret Fincke
10/10
I feel great knowing the process is very easy and fair to get reimbursement for medical emergencies. It allows me to focus on kiwi’s health and make decisions at a difficult time.
Insurer: MetLife
By: JAZMIN LOMTONG
Long waiting period
Long waiting period. Does not state this when signing up, I would not recommend for emergencies.
Insurer: Nationwide
By: Customer
The whole process was very easy to do…
The whole process was very easy to do online. We received a very quick response and were happy with our reimbursement. What more could you ask from an insurance company?
Insurer: MetLife
By: Rebecca
Don't insure with Healthy Paws. Years later, you'll be sad.
I've been a loyal customer of Healthy Paws Pet Insurance since 2016. No more happy customer now. I can no longer recommend them. And, I'm sorry for having recommended this company through the years. My dog had a yeast infection in her ears and was denied coverage because she had an ear infection of MRSA eight years ago when I first got her. She was not covered because it happened during the wait period. I understood that. At that time (2016), I asked if she would be covered in the future if it wasn't MRSA and if it was many years later. I was told that they would cover it. Well, they lied! She recently had a yeast overgrowth in her ears after eight years that was not MRSA, but they still denied covering it as though it was a pre-existing condition. Their insurance rates are increasing exponentially. Their coverage is less available along with higher premiums, higher deductibles, and higher costs with a smaller percentage covered. I've read that this is happening to so many customers who have faithfully paid thousands in premiums like I have, but are now treated poorly after many years. It is just not right. And, what makes it worse, we are trapped because our pets now have pre-existing conditions.
Insurer: Healthy Paws
By: melinda artoday
The turnaround time for reimbursement…
The turnaround time for reimbursement was quick. There were no additional questions or need for follow-up.
Insurer: MetLife
By: Charrlee Mims
The process is clear and swift
The process is clear and swift. Very nice.
Insurer: MetLife
By: VM
They did not cover expenses I thought…
They did not cover expenses I thought they would.
Insurer: Spot
By: Sandra Ledbetter