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 11, 2025

Ease of submitting claims

Ease of submitting claims

Insurer: MetLife

By: customer

Verified December 11, 2025

I had recently submitted an Emergency…

I had recently submitted an Emergency visit claim and Vet Follow up visit claim within the last week and just received the follow up responses. Thank you to the Spot Insurance team for making this pet owner feel their choice was worth it and right for our family’s needs.

Insurer: Spot

By: Bernie in AZ

Verified December 11, 2025

Doing what they say they do

So far I have no complaints. Fast refunds after I submit claims. They have covered what they said they would cover.

Insurer: MetLife

By: customer

December 11, 2025

The approval of the claim

The approval of the claim, excluding the payment, requires a duration exceeding one month.

Insurer: Pets Best

By: Kunhan Wu

Verified December 11, 2025

Easy process from start to finish

Claim processing was super quick and easy, and I’ve always received my money back promptly!

Insurer: Spot

By: Kelsey

Verified December 11, 2025

Great service

Great service. Quick claim service!

Insurer: Spot

By: Rue Johnson

Verified December 11, 2025

Great experience!

So far my experience has been very positive with Spot insurance. This year my cat got sick a lot, and after the deductible amount, everything according to my policy was reimbursed. Easy to file the claims and fast reimbursement as well. I’m very happy with them!

Insurer: Spot

By: Loryne Rodrigues

Verified December 11, 2025

My first claim was handled perfectly…

My first claim was handled perfectly and met all my expectations!!

Insurer: Pumpkin

By: Linda Freeman Pettit

Verified December 11, 2025

Claim process

After getting set up the process has been easy and the claim was processed quickly.

Insurer: MetLife

By: Roxanne Hill

Verified December 11, 2025

Ok so I had just adopted my first pet…

Ok so I had just adopted my first pet and well I google pet stuff and I saw pet insurance which I have no knowledge of that , since it's my first dog So my pet got an upset stomach or indigestion, and and well I s not my husband to the vet And our bill was 650 and I sent the claim, and to my surprise, apparently they went based the soap notes my husband was scared and wanted our pet treated quick so he told the vet he had been throwing up and bla bla for about 2 week, so apparently that's y the ins didn't cover , because the dog got sick before the insurance kicked in, which is so stupid, I can buy a life ins today and not be sick, all of a sudden I die with a heart attack, will I be covered or no cause I died before ins. Kicked in, so my question is why keep the policy if I'm gonna be paying every bill out of pocket, deductible is 250,and the 2 visits I've gone to only part was taken off which I don't get how many Drs visits should I make before deductible kicks in, plus I'm stuck with the 6hundred plus bill, this is absurd and popusterous, then I call to ask question and no one knows how to explain, and there is more ins, companies I sure will check them out

Insurer: MetLife

By: Veronica Garcia

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