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 06, 2026

Very easy to make a claim

Very easy to make a claim. The company responds very quickly

Insurer: Fetch

By: Dra MJB

March 06, 2026

I am extremely disappointed with Spot Pet Insurance. I purchased coverage for my puppy believing they would help if something went wrong, but every claim I submitted was denied. My puppy was not diag

I am extremely disappointed with Spot Pet Insurance. I purchased coverage for my puppy believing they would help if something went wrong, but every claim I submitted was denied. My puppy was not diagnosed with any condition until after I had already purchased and paid for the policy, and I provided full veterinary records proving there were no prior issues. Despite that, they still refused every claim. In my experience, Spot offered no support when it was needed. I would not recommend this company and suggest pet owners look into other options for their fur babies.

Insurer: Spot

By: Chris

March 06, 2026

Fast processing time with direct…

Fast processing time with direct deposit! Excellent!

Insurer: MetLife

By: Linda Clark

March 06, 2026

Very Expediant Turn Around

Received my refund in a very expeditious time frame. No problems. It went directly to my checking account via direct deposit. All I have to do is take my cats to the vet, pay for services received, send the bill to claim department and receive my refund a couple of days later.

Insurer: MetLife

By: Kevin

March 06, 2026

Claim submission is so easy!

Claim submission is so easy and the response time is quick. Highly recommend!

Insurer: Spot

By: Cindy

March 06, 2026

Excellent coverage and turn around on…

Excellent coverage and turn around on payments. Multiple options to receive payments.

Insurer: Pumpkin

By: Andrew

March 06, 2026

This is my first time having insurance…

This is my first time having insurance for our dog. I was happy with the turnaround time of the reimbursement and the amount that was covered.

Insurer: Fetch

By: Kimberly

March 06, 2026

Reviewed our claim and paid our account…

Reviewed our claim and paid our account within a few days

Insurer: Spot

By: Catherine Ricci

March 06, 2026

Spot is a great pet insurance company!

I am so glad I went with Spot Pet Insurance. In the first month of having the insurance our 7 month old Basset hound had to be spayed and then she accidently ate a needle with thread. She required emergency surgery. Spot was so easy to file a claim and they completed our claim in one week with a reimbursement to our checking account. I highly recommend this company!

Insurer: Spot

By: Ann Wilson

March 06, 2026

Spot was responsive (quick to respond) - 100% satisfaction!

Spot was responsive (quick to respond), diligent (no delays), and conclusive (made a decision on my claim and I immediately received a check). I highly recommend Spot Pet Insurance! We have had the insurance for several years and this was our first claim so didn't know what to expect but was 100% satisfied!

Insurer: Spot

By: Beth Califano

Compare top pet insurance providers plans.

For puppies and kittens, please estimate your pet's full-grown weight.