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.

62,907 total


Verified February 20, 2026

So glad to have Spot!!

So glad to have Spot! It’s affordable and they take care of claims quickly and efficiently - I didn’t have to keep calling to check the status of my claim. My pup had surgery 2 weeks ago and the claim was paid before the 10 day follow up visit. It’s been a relief, thank you Spot!!!

Insurer: Spot

By: Dani K

Verified February 20, 2026

It's been over two weeks and no word on…

It's been over two weeks and no word on the approval. I don't even want this insurance anymore and I have no way of canceling. Just a stupid process overall.

Insurer: Nationwide

By: Devon

Verified February 20, 2026

It offers excellent coverage.

It offers excellent coverage.

Insurer: MetLife

By: DARWIN RAMOS

Verified February 20, 2026

Making a claim was easy and the…

Making a claim was easy and the decision was made the next day

Insurer: Pumpkin

By: George Stuber

Verified February 20, 2026

I have had Spot insurance for probably…

I have had Spot insurance for probably almost 2 years! My cat Meeko needed surgery to remove bladder stones that could not be treated with medication! Filing a claim was easy and the response was swift.

Insurer: Spot

By: Marjorie Reid

Verified February 20, 2026

Manny was amazing going over policy…

Manny was amazing going over policy option for my two new puppies. Our 15.5 year old pup passed last January and we used Nationwide Pet insurance all of his life.

Insurer: Nationwide

By: Mishell Pendleton

Verified February 20, 2026

Hassle-free experience

Claims submission is simple, I seldom wait more than a few days for processing, and reimbursements are so quick with direct deposit. I’ve simply never had any hassles with Healthy Paws.

Insurer: Healthy Paws

By: T. Bowersox

February 20, 2026

Not user friendly

It was very easy to sign but not to file a claim. I purchased the Wellness package so I waited to have a few receipts before I filed. I had to file each one separately even though they were from the SAME vendor. They say supplement or vitamins are covered but I think Wrap a Pill should be covered because he wouldn't take any pill without it. They disagreed. I will say they told me 10-15 business days & clms were processed or denied the next day. We will see how long it takes to get the checks. That is wasteful to cut me individual checks. I feel the entire process is NOT user-friendly. I wanted to give 3.5 stars but that wouldn't work.

Insurer: Embrace

By: Corinne

February 20, 2026

Smooth experience & Helpful Advisor

Great pricing that’s actually affordable, very inclusive coverage, and my advisor Justin Worthington, was incredibly helpful throughout the process. Highly recommend!

Insurer: Fetch Canada

By: Courtney Adomaitis

Verified February 20, 2026

Great pet insurance !

We have enjoyed working with Spot Insurance. They make the application process easy to apply and understand. They quickly assess claims and refund their percentage of reimbursement. We have been very pleased!

Insurer: Spot

By: Bonnie West

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