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 17, 2026

They delivered as promised

They delivered as promised. I’m happy knowing that my pup is covered.

Insurer: Pumpkin

By: Lisa

Verified February 17, 2026

Easy to enroll and the coverage/plan…

Easy to enroll and the coverage/plan information is clear to understand.

Insurer: MetLife

By: CRISTINA GRANADO

Verified February 17, 2026

My claims were handled fast and…

My claims were handled fast and efficiently.

Insurer: Spot

By: Richard Divine

Verified February 17, 2026

My sweet cat passed on New Years from a…

My sweet cat passed on New Years from a fungal infection the vets didn’t catch. I took her to the ER multiple times, to her regular vet, and to a specialist. It took me 2.5 months before I could even look at her vet bills and submit for reimbursement. When I finally did, Spot processed my claims quickly and hassle-free. They cancelled my policy effective 1/2/26 without me having to do that too. I also got a nice email and even a phone call with condolences. It may not seem like a big deal, but it felt like a nice gesture. 10/10 recommend.

Insurer: Spot

By: Lorena A.

Verified February 17, 2026

My sweet pug had an unknown infection…

My sweet pug had an unknown infection and Pumpkin helped me not worry about him while going to the specialist to get lots of tests. I didn't have to worry about him and also about the costs. Fortunately it turned out to be a very solvable problem and he is happily continuing to steal hearts and treats.

Insurer: Pumpkin

By: Rachael Puckett

Verified February 17, 2026

I received instant notification through…

I received instant notification through text to inform me that my claim has been received and being processed. The consistent communication has been consistent

Insurer: Fetch

By: Dawn

Verified February 17, 2026

Happy customer

MetLife is always prompt in handling claims.

Insurer: MetLife

By: Ann Robarge

February 17, 2026

Scam

This company is a scam. They will do anything possible not to refund your claim. They request documents after documents from both you and the provider. Its been 3 months and still asking us for my documents. Our dog had a chemical burn and they want to say its a pre-existing condition. They had no issues taking our monthly payments. Run dont use this company.

Insurer: Embrace

By: DJ PAPY MIX

Verified February 17, 2026

Best pet insurance

The process for submitting a claim is as easy as can be online. The response is almost immediate. Your claim is reviewed in a very timely matter and processed as quickly as can be, having an answer almost within a day or two.

Insurer: Healthy Paws

By: Janet Budnick

Verified February 17, 2026

So happy to have selected MetLife Pet…

So happy to have selected MetLife Pet Insurance. Easy to submit my claim online and they respond immediately after receiving it. They are quick to review my claim and inform me the amount that is being deposited in my bank account.

Insurer: MetLife

By: Evergreen

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