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.

64,657 total


March 21, 2026

I think they're 'SPOT' on

I think they're 'SPOT' on. They're total professionals that look at your 'CLAIMS' and process it in a manner that's understandable.

Insurer: Spot

By: Customer Ki Hoon Hong

March 21, 2026

So far so good

It’s very easy to file a claim. It’s very easy to do most things. My concern is as I file claims. How is this going to affect her premiums? Are they going to go through the roof? Because that’s insurance and that’s why it’s a scam you pay heavily into it and never use it but the second you use it they jack up your rates. Let’s see if that happens with MetLife.

Insurer: MetLife

By: Chandler

March 21, 2026

Excellent claims service

Excellent claims service

Insurer: Spot

By: Becky Heins

March 21, 2026

Had no issues

Had no issues, claim process went smoothly

Insurer: Spot

By: Angela Flores

March 21, 2026

Great experience with MetLife!

Great experience with MetLife! Such great service and quick reviews and reimbursements.

Insurer: MetLife

By: customer

March 21, 2026

First claim for Daisy

I submitted my first claim for my Shih Tzu Daisy’s vet appointment. It was very easy to upload on the app. Within a couple days we had the claim money in our bank account. We will continue to renew this policy every year.

Insurer: MetLife

By: Kelly Vaughn

March 21, 2026

My cat broke his hip and required…

My cat broke his hip and required surgery. I was worried the insurance process might be complicated or difficult. However Spot processed my reimbursement in a week. I just did a simple online form with my receipts. Spot requested the records. My reimbursement was direct deposited all in about a week. I was pleasantly surprised!

Insurer: Spot

By: Rachel S.

March 21, 2026

Thank you from the bottom of my heart!

I want to sincerely thank Embrace for making a very stressful time much more manageable. My dog became extremely ill and had to be hospitalized, and the last thing I needed was a complicated claims process. Thankfully, submitting my claim was quick and easy. Every time I contacted customer service, they were polite, helpful, and took the time to answer all of my questions. My claim was processed and paid promptly, which lifted a huge financial burden off our shoulders and allowed us to focus on what mattered most—helping my dog recover. Thank you Embrace!

Insurer: Embrace

By: blancamazy

March 21, 2026

MetLfe has provided reimbursement as…

MetLfe has provided reimbursement as promised surprisingly quickly. I have no reason to be displeased, which these days says a lot.

Insurer: MetLife

By: Cinda Kienzle

March 21, 2026

Speedy Reimbursement

We have filed two claims for surgeries. Healthy Paws reviewed the claims immediately and we received our reimbursements promptly.

Insurer: Healthy Paws

By: Margaret

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