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 October 24, 2025

This was a quick and easy process for…

This was a quick and easy process for my new fur baby.

Insurer: MetLife

By: customer

Verified October 24, 2025

Easy and quick claims process

Easy and quick claims process! Received payment within days of submitting my claim!

Insurer: MetLife

By: Amanda

October 24, 2025

Easy to submit claims.

Easy to submit claims.

Insurer: Embrace

By: customer

October 24, 2025

Choose another company for your puppy's insurance.

Filed multiple claims for ER visits for my 1 year old puppy that all took place within a week. It took them almost a to payout any claim at all and when they did, they barely covered it. To be exact, they paid 1/3 the expense at most. They found any reason possible to deny coverage of medications, office visits, etc. Not happy with this insurance at all.

Insurer: Pets Best

By: Colton

Verified October 24, 2025

Rapid response to reimbursement for …

Rapid response to reimbursement for treatment for our dog

Insurer: Spot

By: Anastasia Kazarian

Verified October 24, 2025

Very happy with everything that is…

Very happy with everything that is covered for our boy Winston.

Insurer: MetLife

By: Nicole Mayer

Verified October 24, 2025

Spot makes the claims process quick and easy!

Spot makes the claims process quick and simple. When I provide the necessary input, my claims were settled fairly in a day or two. Outstanding service, and very simple.

Insurer: Spot

By: DT

Verified October 24, 2025

They processed the claim quickly

They processed the claim quickly

Insurer: Spot

By: Clair Reed

Verified October 24, 2025

Frustrating experience for one of our pets despite years of coverage

We’ve had MetLife Pet Insurance for our three pets for several years. Our dogs’ claims have been fairly standard, and the new website is an improvement that makes tracking submissions a little easier. Unfortunately, our experience with our cat has been extremely frustrating. Despite multiple veterinary evaluations confirming his issues are not chronic, MetLife continues to classify them as chronic and pre-existing to avoid coverage. We have not received reimbursement for any of his conditions and are now working with the California Department of Insurance to resolve the matter. MetLife has even gone as far as denying coverage for a medication that is not directly associated with the condition they labeled as chronic. MetLife can and should do better in providing fair and transparent coverage for pet parents who have medical documentation to support their claims.

Insurer: MetLife

By: Customer

Verified October 24, 2025

My claims were processed quickly.

My claims were processed quickly.

Insurer: Healthy Paws

By: Melissa Gentile

Compare top pet insurance providers plans.