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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Love spot insurance
So glad we decided to get our puppy insurance, especially since our pup was diagnosed with bilateral elbow dysplasia. Customer service was great and filing a claim was fairly simple. They took care of everything and paid the claim in a timely manner. So glad we have spot insurance !
Insurer: Spot
By: Melissa Slonaker
Claims are handled promptly and…
Claims are handled promptly and efficiently.
Insurer: Healthy Paws
By: Carol Darby
Great Service
I submitted a claim, provided all necessary paperwork and and claim was handled and completed with a deposit in my account within 5 days. Whenever, I had contacted customer service they were Friendly and caring.
Insurer: Healthy Paws
By: Laura
It was a little hard to get everything…
It was a little hard to get everything submitted. I finally had to the vet to get all the records over. The customer service seemed a little bit confusing to me. They asked for medical records from when the time I had gotten my cat, which I thought I had submitted that when I signed up for the health insurance. But overall once I got everything submitted it seemed to go very smoothly and I was very happy to get my reimbursement and it seemed like it went very quickly after that
Insurer: Healthy Paws
By: Guest User
DOESN'T PAY
It took a long time and asking for cancellation of the policy for me to get one claim processed; instead of just automatic denial over and over. Subsequently, two following claims were denied . Don't waste your money.
Insurer: MetLife
By: Star Character
Very friendly initial contact
Aileen was very friendly and knowledgeable. I just signed up both my pets and they gave me a military discount. Be sure to ask as there are several discounts on their website chatbot. Haven't had to use the insurance but it seems reasonable and after a lot of research was the most economical for the quality.
Insurer: Fetch
By: Lisa
Timely and accurate reimbursement
Timely and accurate reimbursement. Much appreciated!
Insurer: Healthy Paws
By: Flora Wilcox
I had a vet bill of 400
I had a vet bill of 400. They only paid 20. Stay away
Insurer: Spot
By: Ercan
The company paid my claim fast with no…
The company paid my claim fast with no additional paperwork.
Insurer: MetLife
By: customer
Takes your money and will drop you if your pet has any issues.
Had coverage with them for 2 years, my dog had her first seizure a year into coverage, they covered the first visit for that ($180), she then had 2 more seizures 8 months later and those vet bills were significantly higher and they decided to deny coverage and illegally claim it as a pre-existing condition, despite covering the condition when the vet bill was only $180 eight months prior. Scam company, happy to collect your money when your pet is healthy, but will drop you as soon as you need their assistance. UPDATE: I called the number listed in the response below to discuss further and they told me they made a mistake covering the first seizure visit. So not only will they deny you once you exhaust your deductible, they will claim they made internal errors and deny all future claims once you actually need to use their benefits. Absolute scum. They even fired their CFO in March '25 for whistleblowing their unethical practices regarding denying claims, look up "Gordon Lavalette"
Insurer: ASPCA
By: Robert Sardinas-Wyssling