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.

59,035 total


Verified November 07, 2025

Always pleased with how fast Metlife…

Always pleased with how fast Metlife processes claims

Insurer: MetLife

By: customer

November 07, 2025

Service is ridiculously slow despite…

Service is ridiculously slow despite their claim of quick turnaround times, and they denied my first claim, saying it wasn't covered because it took place during the initial 14 day waiting period (it didn't, coverage started Sept. 27, the vet visit was Oct 13). Not a great start, wish I had read the reviews a little closer. I understand insurance is the biggest fraud going today, but this is still disappointing. I'm just finding this out halfway through November.

Insurer: ASPCA

By: Will

November 07, 2025

Truly the Best. I swear by PetsBest.

My Chunk is 5 years old now and I have had him insured with PetsBest since he was 8 weeks old. I honestly think getting this insurance was one of the best financial decisions of my life. We have been through 7 surgeries (he's an English Bulldog) and endless food-related allergies flare-ups (I mean, ear infections, skin infections, etc.). We have also been to a ton of different vets in different states (doggie dermatologists, doggie eye doctors, doggie surgeons) and NOT ONCE was my claim denied, and NOT ONCE did I have A SINGLE issue. I think I maybe had to call customer service like once since getting this insurance. You just go to the vet, worry about the best vet care possible, get your receipt, submit it, and within 20-30 days you have your reimbursement. If there's a delay in reimbursing you - they always send a follow up email telling you basically, "hey, so sorry we are taking longer than usual, but we haven't forgotten about you!" I highly recommend PetsBest. I think I have recommended at least 5 people to them.

Insurer: Pets Best

By: Anastasia Spytsya

Verified November 07, 2025

everything has been very smooth with…

everything has been very smooth with claims and any questions i had : )

Insurer: MetLife

By: Melanie McAlister Tacti 🥰

Verified November 07, 2025

MetLife works quickly to review and pay…

MetLife works quickly to review and pay our claims for veterinary services. Thank you!

Insurer: MetLife

By: Raul

Verified November 07, 2025

I was A Skeptic about pet Insurance.

When I signed up for SPOT Insurance, I was skeptical about pet insurance. I finally decided to at least try it to avoid any catastrophic emergency coverage at an ER. The basic trips to the Vet are doable, but emergencies can really be expensive. Anyway, I didn't use my insurance UNTIL one of my cats had an emergency. The Claim process was easy and the reimbursement was excellent. Everyone should be covered and SPOT was Great!!!

Insurer: Spot

By: Jeffrey Blydenburgh

Verified November 07, 2025

Easy to submit claim

Easy to submit claim, received payment in a timely manner

Insurer: MetLife

By: STEPHEN KRAFT

Verified November 07, 2025

Quickly reviewed & settled the claim!

Quickly reviewed & settled the claim!

Insurer: MetLife

By: customer

Verified November 07, 2025

I love this company the best pet…

I love this company the best pet insurance so far they cover all my needs

Insurer: MetLife

By: Anita Brown

Verified November 07, 2025

Thank you Spot

My dog became severely ill, was hospitalized, and did not get better. We unfortunately had to put her down to ease her pain and it was the hardest thing we ever had to do. To deal with that and the financial burden at the same time would’ve been a nightmare, but thankfully we had Spot insurance. I filed a claim and it was approved in 9 days, no questions, no issues. It was a huge relief for my family and I, and it truly allowed us to mourn without worrying about finances. We are extremely grateful.

Insurer: Spot

By: Viv

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