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 December 25, 2025

game changing for my dog

Having pet insurance has been a game changer for the care I’m able to provide for my dog! When I rescued Lucy (she was 4 months old and in great health!) I hoped I’d never need it but always wanted to have it, just in case. Over the years (Lucy is almost 11 years old!!) Healthy Paws has come in SO clutch. Between a mast cell tumor removal (success!), emergency surgery to remove a foreign object (a rock!!), 2 ACL repairs, a splenectomy and other unexpected vet visits/expenses, I truly couldn’t do this without Healthy Paws. I’m so happy with my plan, the easy-to-use mobile app, the friendly customer service and the quick turn around time after claims are submitted. I’ve literally saved thousands of dollars and Lucy is doing wonderfully. 10/10!

Insurer: Healthy Paws

By: Emily Bodinger

Verified December 25, 2025

Pays for routine shot allowance

Pays for routine shot allowance. Although it does not cover the full amount as most vets charge more. I have not had to use it for anything extensive which is a good thing.

Insurer: Spot

By: Janice Spicer

Verified December 25, 2025

I sent in my invoice and the claim was…

I sent in my invoice and the claim was processed within a week. I’m happy with the quick service . The only reason I didn’t give a higher rating was because I had a hard time sending additional information for the claim.

Insurer: Spot

By: Margaret Meyer

Verified December 24, 2025

My claim was explained was reimbursed…

My claim was explained was reimbursed directly to my checking account within aweek

Insurer: Spot

By: Pamela Schnabel

Verified December 24, 2025

Spot has best app

Spot has the best app ever. I love it. Submitting a claim is really easy and quick. Love it. Genia Finney

Insurer: Spot

By: Genia Finney

Verified December 24, 2025

Quick turn-around

Quick turn-around. Thanks

Insurer: Fetch

By: Kris

Verified December 24, 2025

Pet insurance is SO important!

I have always used a spot Insurance since the day my dog came home. I just wish that the claims processing time was faster. Also, wish that my veterinarian could submit for me, and I would not have to shell out all the money out of pocket. Coming up with over $10,000 unexpectedly is extremely difficult and financially a major burden.

Insurer: Spot

By: Michael R

Verified December 24, 2025

I tell everyone I know to use Met Life…

I tell everyone I know to use Met Life if searching for pet insurance . I have been reimbursed so many times and if more information was needed they always reached out to my Vet. Very happy with this company .

Insurer: MetLife

By: Patti Clifford

Verified December 24, 2025

Very quick refund

We received our refund quickly for the service our dog needed

Insurer: Spot

By: Linda K

Verified December 24, 2025

We've been using Spot for a couple of…

We've been using Spot for a couple of years now. We had our first claim a couple of weeks ago and the process was fast and easy. Everyone was also very friendly, though most of the process was automated.

Insurer: Spot

By: S B

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