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 19, 2025

They stand by their word!

This is the first pet insurance that actually care and stand by their promise to reimburse for services they say they will!! I have had others with previous dogs but Pumpkin is by far the BEST!

Insurer: Pumpkin

By: Nancy

Verified October 18, 2025

Easy to submit a claim

Easy to submit a claim! Quick decision on the claim and quick payout.

Insurer: MetLife

By: customer

Verified October 18, 2025

MetLife is easy to use

MetLife is easy to use. I upload my pet expenses and I receive reimbursement very quickly.

Insurer: MetLife

By: Sharon O

Verified October 18, 2025

Great insurance company with awesome…

Great insurance company with awesome coverage and ease of claims process.

Insurer: Spot

By: Kamy Abalkhad

Verified October 18, 2025

Always great customer service and the…

Always great customer service and the insurance reasonably covers our animals illnesses!!

Insurer: MetLife

By: Diane

Verified October 18, 2025

Spot is great!

Spot is great, not only can you always speak to a real person, but they get right back to you regarding your claim. Payment is super easy and quick. Great pet insurance.

Insurer: Spot

By: Kyle Carson

Verified October 18, 2025

3 claims

I have submitted 3 claims, two of which were processed incorrectly. In both instances the customer representative I spoke with were wonderfully sympathetic to my needs and worked tirelessly to assist in correcting the issues.

Insurer: MetLife

By: ANDREA PAQUETTE

October 18, 2025

Thumbs up Pets Best Insurance

I purchased Pets Best Health Insurance for my golden retriever when she was young. I would recommend insurance early in the dog's life before any preexisting conditions are identified. It was discovered that my dog has hip dysplasia. Pets Best has covered every claim that I've submitted, as described in my policy. Occasionally, there is a hoop to jump through with vet notes, but that should be expected to some degree. It does take a couple of weeks for a claim to process, which could improve, but overall, I would highly recommend Pets Best.

Insurer: Pets Best

By: Screamer

Verified October 18, 2025

We have been extremely happy with Spot

We have been extremely happy with Spot. We’ve never had pet insurance on our animals before. When we got our youngest dog the vet tech encouraged us to look into getting insurance on him. I’m so thankful that she did. Our pup has severe allergies. These visits have been a lot financially, but Spot has made the process of filing claims easy. Just upload the receipt of the visit along with the notes. We usually have the reimbursement within 48hrs.

Insurer: Spot

By: Christina Howlett

Verified October 18, 2025

Easy to file charges

Easy to file charges. Customer notified of progress.

Insurer: MetLife

By: CAROL RITTER

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