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 23, 2025

Excellent Coverage and Customer Service

Easy to submit claims - quick turnaround with review/payment and when I have a question, MetLife is responsive and helpful answering my needs.

Insurer: MetLife

By: Linda

Verified October 23, 2025

Spot is great

Spot is great, every claim I’ve submitted has been processed without any issues and quickly. You never need pet insurance until you do, and then you are so glad to have it.

Insurer: Spot

By: Joy Dolan

Verified October 23, 2025

Best decision I made when adopting puppies

The responsiveness of the Met Life group when I have a claim is phenomenal. They address my issues in a very timely manner. When I have contacted individuals for inquiries, they are thoughtful and knowledgeable. The confidence I have in my coverage makes me feel like my pets are protected. I often think about when I made the decision to adopt 2 puppies at one time. That was not a decision but really a leap of faith for a person who had not had a dog in over 30 years. But getting pet Insurance was the best decision I made in this process.

Insurer: MetLife

By: Michele

Verified October 23, 2025

Cancer diagnosis

My dog is going thru a rough time as she got diagnosed with liver cancer. Having Spot Insurance has helped tremendously! They approved all my claims so far and I’ve gotten reimbursed in a very timely manner! I will definitely use them if I ever get another dog. Thank you Spot!

Insurer: Spot

By: Melissa Long

Verified October 23, 2025

I submitted a claim and the process…

I submitted a claim and the process went smoothly. I got paid in 11 days which was awesome.

Insurer: Spot

By: DEBORA RAMIREZ

Verified October 23, 2025

It very easy to make claims.

It very easy to make claims.

Insurer: MetLife

By: customer

Verified October 23, 2025

A few errors on claims submitted

The customer service has been great, but the 3 stars are for the errors that have happened twice in one month and I don’t know if people are just logging things wrong, but one of my claims was entered for last year and then another claim was not reimbursed via direct deposit -which is what I selected/have already received reimbursement this way- it was sent via check. Little things like that are inconvenient

Insurer: Spot

By: Marcie Icovino

Verified October 23, 2025

Best pet insurance

Spot is the best pet insurance we’ve had. 2 years ago, I had switched from Spot to another company offered by my employer’s insurance and it was a nightmare of an experience. After such a terrible ordeal, I switched back to Spot and have been pleased ever since. I especially love the speed at which the process claims. From the moment the claim is submitted, I never have to wait more than a few days for it to be completed. In the few times I’ve had to call, customer service has always been pleasant. Needless to say, I will never be leaving Spot

Insurer: Spot

By: Yolanda Oliver

Verified October 23, 2025

Quick response

Quick response, quick turnaround time

Insurer: Spot

By: Anastasia Reisch

Verified October 23, 2025

They were prompt in reimbursing me what…

They were prompt in reimbursing me what I put out. Great coverage and the representatives are always so helpful and kind and always ask about my fur babies.

Insurer: Spot

By: Shelley

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