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 13, 2025

Much quicker reimbursement time :-)

It used to take a few weeks to get reimbursed, which was very inconvenient. This most recent claim I made was paid in only a few days - this is very much appreciated!

Insurer: MetLife

By: customer

Verified October 13, 2025

MetLife is always very efficient and…

MetLife is always very efficient and excellent communication updates on claim, once submitted.

Insurer: MetLife

By: Tammie Jimenez

Verified October 13, 2025

I filed for well-care reimbursement

I filed for well-care reimbursement. The process was simple, and reimbursement was fast. I am very pleased with your service.

Insurer: Pumpkin

By: Cheryl

Verified October 13, 2025

We really made the right decision in…

We really made the right decision in purchasing Spot pet insurance. This coming January Sadie will be 2 years old. We have had Spot insurance since May of 2024 paying $48 a month. 17 months at $48 paid $816 during this time Sadie had racked up $1,000’s in wellness and medical costs. Spot covered and reimbursed us 80% after a small yearly deductible. The very best decision we ever made purchasing Spot pet insurance. I was concerned when Sadie’s policy was renewed she would either be refused continuance of insurance or it would increase dramatically due to the claims we had especially the first year. Much to our surprise insurance continued and at the same premium! Spot insurance makes it very easy to submit a claim and the reimbursement in our opinion is reasonably quick with direct deposit. Spot insurance couldn’t make it any easier. I would highly recommend Spot insurance. Representatives are helpful and easy to work with.

Insurer: Spot

By: Rosemarie Gelinskey

Verified October 13, 2025

Very easy to deal with and claims are…

Very easy to deal with and claims are handled promptly!

Insurer: MetLife

By: Monica Hammonds

October 13, 2025

Easy to use OnLine Claims

Your computer system is so easy and intuitive! Claims are processed promptly.

Insurer: Embrace

By: Customer

Verified October 13, 2025

Easy claim filing/prompt payment

Easy claim filing/prompt payment

Insurer: MetLife

By: William Gordon

Verified October 13, 2025

Ease of use

Metlufe makes understanding the process of insurance for my puppy easy. Submitting claims and receiving refunds is quick and easy; her file is easy to track. I like the educational articles that come out. I find them useful in some areas I need further knowledge. I’ll keep with MetLife.

Insurer: MetLife

By: Cathleen

October 13, 2025

After years of not using it, easy as can be when needed

After nearly 5 years of just having a policy and never needing it, I was pleasantly surprised by the ease of submitting claims for my cat emergency care visit.

Insurer: Embrace

By: David Fernandes

Verified October 13, 2025

Met Life Pet Insurance has been a blessing

Met Life Pet Insurance has been a blessing to me. My dog has been having a bit more issues with her stomach with more doctors visits. We finally decided to switch vets and we believe the one we are at now is best. If it wasn't for Met Life Pet Insurance, this would have been a costly year. The customer support team is so nice and courteous. What a great decision I made to switch to Met Life!

Insurer: MetLife

By: Andrew H.

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