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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Filing claim process easy
Filing claim process easy. Review and approval process time was reasonable.
Insurer: Spot
By: Art Poblete
Claim was resolved quickly &…
Claim was resolved quickly & efficiently.
Insurer: Spot
By: Timothy
I would strongly discourage anyone from…
I would strongly discourage anyone from using MetLife Pet Insurance. I insured my cat Leo with their illness & injury plan in June 2024. A few months later, he was diagnosed with GI lymphoma after an ultrasound, endoscopy, and biopsies. MetLife has denied almost every claim related to his cancer treatment – including advanced diagnostics, chemotherapy, blood transfusions, emergency hospitalizations, and oncology follow-ups – by labeling everything as a “pre-existing condition” because he had occasional vomiting before the policy started. Even after we provided full medical records and filed an appeal, MetLife upheld the denial using a single sentence from a July 2024 vet note and treated all later cancer care as excluded. When we tried to appeal the newer 2025 denials (including thousands of dollars in chemo and emergency care), MetLife refused to even review them, saying we had missed a 90-day deadline. Their own appeal form says we “may request a second review” within 90 days or as reasonably practicable after receiving the denial, but they still shut the door on us. We have paid many thousands of dollars out of pocket while believing we were covered for exactly this kind of catastrophic illness. The way MetLife has handled our case feels misleading, rigid, and deeply unfair – especially to pet owners who buy insurance specifically to protect their animals and families in situations like this.
Insurer: MetLife
By: Colin S
Completely satisfied, above and beyond
I have had pet insurance for about five years now. I never needed it until my dog tore her cruciate ligament. After submitting the appropriate paperwork and getting the operation, I was reimbursed almost immediately to the full value of the insurance. they answered the phone quickly when I called. Their website was user-friendly and easy to navigate. Their reception staff were always courteous and knowledgeable. In short, excellent experience and I cannot recommend enough.
Insurer: Embrace
By: Scott
Easy to process claim and rapid…
Easy to process claim and rapid response.
Insurer: Spot
By: Frances Piacente
Worth every penny!
MetLife Pet is easy to work worth, and the claim process is simple. Great coverage at an affordable price to ensure your furry friend is taken care of, for the unexpected and regular wellness needs. It's worth every penny for the peace of mind!
Insurer: MetLife
By: Gina F.
Good/Bad/Ugly
Healthy Paws Pet Insurance offers good service overall, but pet owners should be aware of the dramatic premium increases as pets get older. My golden retriever’s monthly premium jumped from $287 to $807 once he turned 13 years old, despite having no prior medical history. The coverage itself has been reliable, but the sudden and significant cost increase at this age was unexpected and difficult to manage. Pet owners considering Healthy Paws should keep this in mind when planning for long-term expenses.
Insurer: Healthy Paws
By: Chenchen Zheng
Oreo
Answer the questions that I was asking. Friendly and explained the coverage which I was asking.
Insurer: Prudent Pet
By: Juantonygmail.com
Spot reimbursement
Spot Insurance paid the reimbursement as promised in 7-10 days. It was very easy to submit the online claim.
Insurer: Spot
By: Tammy Maida
Nationwide shouldn’t be taking payment…
Nationwide shouldn’t be taking payment for insurance if I don’t have insurance for my pet for 3 business days. It wasn’t transparently communicated that I have to wait for approval before I have insurance for my pet.
Insurer: Nationwide
By: Samantha