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 01, 2025

Fast and easy

Fast and easy

Insurer: MetLife

By: Martha Cortez

Verified December 01, 2025

Very prompt response to my claims

Very prompt response to my claims. Much appreciated.

Insurer: MetLife

By: Happyartist

Verified December 01, 2025

I spent a lot of time looking at the…

I spent a lot of time looking at the various Pet Insurance providers, but I still felt like so much of the decision depended on the unknowns that I was trying to insure against! So I can't really remember what convinced me to go with MetLife Pet at that time, but I've had nothing but positive experiences after this first year. I'm really, REALLY glad that I got pet insurance right from the beginning, and that would probably be true no matter which company I purchased insurance through. That being said, I've had no issues submitting claims or being reimbursed under my plan, and I'm glad I picked one that's been working so well for us.

Insurer: MetLife

By: R j

Verified December 01, 2025

I haven’t used it yet

I haven’t used it yet and it is not enough coverage so I need to cancel this insurance

Insurer: Nationwide

By: HOMER S

Verified December 01, 2025

My puppy had to have surgery…

My puppy had to have surgery unexpectedly. I submitted all the paperwork for the claim and after the deductible the amount owed back to me was deposited to my account in a matter of a few days. Great response time.

Insurer: Spot

By: Jennifer Lindsey

Verified December 01, 2025

App is easy to use and upload claims.

App is easy to use and upload claims. Though there are often issues seemingly with submissions, leading to frustrations.

Insurer: MetLife

By: Kim H.

Verified December 01, 2025

Quick turnaround on all claims

Quick turnaround on all claims. We are very pleased with MetLife Pet Insurance

Insurer: MetLife

By: customer

November 30, 2025

Good Plans, Poor Claims Processing

While the plans and coverage are more straight-forward than some, the claims process is very challenging. The same items will be covered in some cases, but not in others. Multiple items in the same claim will sometimes be processed, other times missed altogether. If items are missed, then an appeal is required, which takes more time and up to 30 days to complete. All of these claims issues significantly degrade the overall experience.

Insurer: Pets Best

By: Chris Middleton

Verified November 30, 2025

Submitting claims were easy online

Submitting claims were easy online; reimbursement was quick; itemized items not covered were clearly marked and explained.

Insurer: Spot

By: Stephanie Mckiernan

Verified November 30, 2025

Easy to upload records and get refund

Easy to upload records and get refund

Insurer: Pumpkin

By: Heather

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