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.

58,987 total


Verified November 29, 2025

Highly recommend Healthy Paws

Healthy Paws makes it possible to not worry about getting the best possible treatment for your furry ones. We’ve had numerous dogs insured through them over the years. The coverage that they have provided us has been outstanding through cancer treatments to surgeries. Our last vet bill that they covered was 16,800. I don’t like to give reviews. In this case I’m more than happy to! Thank you Healthy Paws for the peace of mind that you provide us!

Insurer: Healthy Paws

By: Pete Janovicz

November 28, 2025

If I Could Give 0 Stars, I Would — Terrible Claim ExperienceIf there were an option for 0 stars

If there were an option for 0 stars, I would choose it. I’m extremely disappointed with Spot Pet Insurance. My claim for my dog Alex was denied twice even after submitting all requested medical records. Spot never contacted my veterinarian for verification, and the claim process was slow and unnecessarily complicated. Missing even one item means an automatic denial. I switched from Healthy Paws because Spot advertised reimbursements for vet fees. In reality, Healthy Paws is far superior — straightforward, fast, and proactive in contacting the vet. I’m returning to Healthy Paws and regret switching to Spot.

Insurer: Spot

By: Nine G

Verified November 28, 2025

Great For An Unexpected Oops

We’ve had two major incidents this year with a 3-year-old lab. MetLife has come in very handy.

Insurer: MetLife

By: customer

Verified November 28, 2025

I never had pet insurance before and…

I never had pet insurance before and never thought it would be necessary! As my dog was healthy and started aging a bit, I checked some different pet insurances and Figo review was outstanding compared to other insurances. Also when Costco is working with you, that means you are the best. Anyway, my dog started being sick months after I enroll and I started claiming medical expenses. All Figo asked was to provide documentation that this is not pre-existing and the medical summary for each visit. I always got my reimbursement paid directly to my account within 2 weeks. Never any issue! Figo is not about money you pay which is nothing, but it is about the support they provide. If Figo wasn’t there for me, I had to spend $20k in 2 years out of pocket!! Figo is the best, get it and cover your Pet insurances case of any illness or accident (I hope it never happens to you).

Insurer: Figo

By: User

Verified November 28, 2025

No contact

Well, I applied for pet insurance and paid the fee. Once it all got sent and done it said that it was being reviewed with the underwriters and I would be notified if approved and once my policy takes affect. Aside from this email asking me made to review them, I haven’t received any other information of whether I have policy or not despite the fact that I’ve already paid.

Insurer: Nationwide

By: custom

Verified November 28, 2025

Excellent experience

Excellent experience

Insurer: Spot

By: Pam

Verified November 28, 2025

MetLife Pet insurance is so easy to use

MetLife Pet insurance is so easy to use and quick at reviewing claims.

Insurer: MetLife

By: Luann McNaney

Verified November 28, 2025

I submitted a claim

I submitted a claim, and even though my deductible has been fully covered my claim was denied.

Insurer: MetLife

By: SLM

Verified November 28, 2025

My claim was quickly processed and…

My claim was quickly processed and settled.

Insurer: MetLife

By: customer

Verified November 28, 2025

Excellent pet insurance with prompt…

Excellent pet insurance with prompt reimbursement!

Insurer: MetLife

By: Lori Pitcher

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