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.

62,710 total


Verified May 24, 2026

We have been with Spot for a couple of

We have been with Spot for a couple of years without needing reimbursement. The last few months Spot has been fair and paid out as expected and pretty promptly. So far, I am pleased with Spot.

Insurer: Spot

By: Elizabeth

May 24, 2026

Spot is a stain

Spot selectively denies coverages and claims without a true, reasonable basis, also refused to communicate with me and their customer “service” was nonexistent. They also appear to troll negative reviews selectively (but leave enough to appear as if they are not) and go out of their way to get them removed. This is not an honest or good company, they did not care about my pet or the truth at all.

Insurer: Spot

By: Anon

May 24, 2026

My dog Sampson needed a three day…

My dog Sampson needed a three day hospital stay. The process was so easy and they were very clear with what would be covered. I'm so thankful we signed up through pets best. Without pet insurance we may have had a different outcome and would have been financially crippled.

Insurer: Pets Best

By: Kelly Renee Jordan

Verified May 24, 2026

Convenience and Coverage for my dog.

MetLife premiums are taken right from my paycheck. It’s so convenient. Also when I take my dog for care, all I do is take a picture of my vet’s care note and bill. MetLife is quick to explain what is covered and a check arrives to my account within a week. I am grateful for MetLife’s coverage for my Portuguese Water Dog!

Insurer: MetLife

By: Marilyn

Verified May 24, 2026

They approved my claim in 10 minutes.

They approved my claim in 10 minutes.

Insurer: Pumpkin

By: George

Verified May 24, 2026

MetLife is reimbursing me with a…

MetLife is reimbursing me with a significant share of my veterinary expense as promised.

Insurer: MetLife

By: Stan Lipson

Verified May 24, 2026

Great Insurance

Processing claims is very easy and the reimbursement time is great. Nice to have a dependable insurance for my babies

Insurer: Spot

By: IsaC

Verified May 24, 2026

Claims were handled quickly

Claims were handled quickly

Insurer: Pumpkin

By: John

Verified May 24, 2026

Having Trupanion takes a lot of stress…

Having Trupanion takes a lot of stress off my shoulders because my vet files my pet’s paperwork immediately with Trupanion. I don’t have to worry about my pet and then file a claim. The whole process is very straightforward.

Insurer: Trupanion

By: Anne Grill

Verified May 24, 2026

Never had pet insurance before and…

Never had pet insurance before and listened to various people on how hard their experience was with the companies they used. Just submitted my first claim and no issues whatsoever. Very impressed with the ease of using Spot and will remain a customer.

Insurer: Spot

By: Bill

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