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.

62,907 total


Verified January 17, 2026

BIG PLUS that you insure older pets…

BIG PLUS that you insure older pets with pre-existing conditions...even though those conditions will not be covered, we can still better afford keeping routine annual checkups/vaccinations/dental cleanings/bloodwork/etc.

Insurer: Nationwide

By: JAZ

Verified January 17, 2026

it was very easy to use

it was very easy to use. Just submitted my vet receipt and I ended up getting more than I thought I would.

Insurer: MetLife

By: customer

Verified January 17, 2026

Good experience

I have used my insurance very sporadically, my experience has been positive. It takes them 3-4 days to process the claim. Money is deposited directly to the account. Works like a charm.

Insurer: Spot

By: Ankit Dhawan

January 17, 2026

Claim Took Forever

The claim process took nearly a month, with weekly messages of how they were “working on it.” And then, the reimbursement was pennies compared to the original bill. It actually would’ve cost less to not pay $80/month for the insurance and just pay my vet bill outright.

Insurer: Pets Best

By: Nadia Duncan

January 17, 2026

More speedy claim processing

Pets Best has been pretty speedy in the past with claims, however recently the claims process is averaging 4-5 weeks or more. I am hoping for quicker processing of claims in the future.

Insurer: Pets Best

By: ktrooper

Verified January 17, 2026

That it takes quite a bit longer to receive your refund for pet services.

You said a lot of texts telling me you’ve received my paperwork which I appreciate. But, you take way too long to send a refund.

Insurer: MetLife

By: Mary Egle

Verified January 17, 2026

Outstanding service

Outstanding service! I've had two claims so far and the response was very quick. Reimbursement came within a few days direct to my bank account. I highly recommend MetLife!

Insurer: MetLife

By: Ralph - Tampa

Verified January 17, 2026

Quick, Easy & Efficient Service!

User friendly website for filing claims. Turnaround on claim reimbursements is quick with flexible payback options. We've been customers for over two years and haven't had one negative transaction!

Insurer: MetLife

By: Renee

January 17, 2026

Took too long for claim to be…

Took too long for claim to be processed. It was just for some drugs which had been approved before in a prior claim.

Insurer: Pets Best

By: Christine Lee

Verified January 17, 2026

Excellent enrollment process and claims processing

Your enrollment instructions were clear and concise which is very helpful for us older dog owners. Your cost for insurance on our Cashew dog was in line with what we wanted to spend and the whole process of enrollment went smoothly. We have already filed a claim and it was processed quickly and much appreciated.

Insurer: Fetch

By: JENNIFER METTE

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