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 01, 2026

Quick response

Quick response, easy submission!

Insurer: MetLife

By: customer

Verified January 01, 2026

Rates are high

Rates are high Our dog was checked for a new lump and the exam isn’t covered at all. That is usually the largest charge Coverage was quick so that’s the only positive

Insurer: Trupanion

By: NW

Verified January 01, 2026

It seemed simplier to apply and…

It seemed simplier to apply and understand coverage than others I had checked into

Insurer: MetLife

By: Pamela Klesert

Verified January 01, 2026

Once I submitted the requested…

Once I submitted the requested documents everything was good and quick

Insurer: Embrace

By: Sergio Rivera

Verified January 01, 2026

Timely and fair

Exceptionally clear and timely in their reviews of claims, and eminently fair in their coverage decisions. Best insurance company I've dealt with!

Insurer: Spot

By: Thomas

Verified January 01, 2026

My experience with Met Life for my pet…

The customer service representatives are always knowledgeable and helpful. Sending in invoices for claims is incredibly easy and Met Life pays out very fast! I’m so glad I switched from nationwide!

Insurer: MetLife

By: Dolores

Verified January 01, 2026

Medical issues concerning pets are…

Medical issues concerning our pets are never easy especially when great expense is involved. It is an emotional time to be weighing the cost of service versus care of your pet. Knowing you have coverage for emergency costs is helpful. It took me months to submit my claim due to the emotional loss of my dog. The process was smooth and I felt compassion from those I spoke to that helped me through the process. Reimbursement was timely and so appreciated.

Insurer: Spot

By: Patricia Lystad

Verified January 01, 2026

The quickness of processing a claim request.

Quick response and the simplicity of submitting a claim. Outstanding phone assistance when needed. Outstanding email updates on the status of your claim.

Insurer: Spot

By: Louis Stortini

Verified January 01, 2026

Easy to submit documents

Easy to submit documents. Appreciated email follow ups on status. Claim was processed in a timely fashion.

Insurer: Fetch

By: Karen Metcalf

Verified January 01, 2026

so quick and easy to file and receive…

so quick and easy to file and receive claims.

Insurer: MetLife

By: Chris

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