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.
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Submitting a claim was easy and…
Submitting a claim was easy and response time was quick and thorough.
Insurer: Fetch
By: Erinn K.
Always there to help when needed
Always there to help when needed. And reimbursement is always quick.
Insurer: MetLife
By: customer
The ease of using the portal to file a…
The ease of using the portal to file a claim and upload necessary documentation. The timeliness of the reimbursement was excellent unlike some companies where one has to wait 7-14 business days for reimbursement.
Insurer: MetLife
By: Carmen Mackey
Fast and efficient!
We've always had a good experience with MetLife. Using the app makes it very easy to submit a claim and reimbursement usually comes within a week or two at the most.
Insurer: MetLife
By: Kathleen E.
Thank You for Helping Us Care for Alfa
Dear Pets Best Team, I wanted to express my sincere appreciation for your support throughout Alfa’s illness and after his passing. All eligible claims were ultimately honored according to the policy. Although some of them took a little longer to process, I understand that you must complete your due diligence and review before issuing payment. During such a painful and unexpected time, it was a relief to know his care was covered. Thank you for your help, your compassion, and the peace of mind you provided during Alfa’s final days. Warm regards, Marisela Canache
Easy Claims
The claims process has been so easy thru the app! I simply snap a picture of the receipts and within 2-3 business days, we have the claim processed and the money back in our pocket. Thank you!
Insurer: MetLife
By: Stephanie
Denies claims that should be paid
Don't walk away... RUN AWAY! We had this insurance for over 2 years without needing it. When our cat suddenly got sick, we took her to the vet and submitted our claims. Because she had an UNRELATED bacterial infection at the time we initially signed up for the insurance (correctly not covered at the time because the insurance was new), they have denied all of the ongoing treatment we are now seeking years later for an unrelated, new, chronic condition. Thousands of dollars DOWN THE DRAIN! Tried to call--30+ minute hold time. Sent an email--NO RESPONSE.
Insurer: Pets Best
By: Lydia
Nightmare claim process
We adopted a 13 month old cat from a rescue shelter in Oct 2025, established a vet account with an initial exam and then purchased insurance from Spot. In late Nov 2025 we had a return visit to the vet for a minor medical issue. We submitted an online claim, mainly to see how the process worked since the dollar amount was only $81. Well, weeks later we receive an email stating that health records from 1/1/2024 are required. We had sent all records available already during the claim process, and being a rescue, the oldest records were from Sept 2025 when the cat was processed by the rescue center. I called the Spot help line trying to explain that there are no health records prior to being rescued. I was assured that this information would be passed on and the claim would be processed. Several days later we get another email reiterating the requirement for health records from 1/1/2024 to be supplied or the claim would be denied. At this point we cancelled the policy. If health history is required for the first claim, the information required should be part of the policy application not months after paying and discovering that Spot does not know how to process a first claim for a rescue with limited health history.
Insurer: Spot
By: Gb
Spot Pet Insurance offers comprehensive…
Spot Pet Insurance offers comprehensive coverage, easy claims, and excellent customer support. A reliable choice for keeping pets healthy and protected.
Insurer: Spot
By: chemmy K
I am very pleased with the customer…
I am very pleased with the customer service and the ease of submitting claims. I have had two of my pets insured with Met Life, most recent was Holly…who recently became very ill and passed on 12/5
Insurer: MetLife
By: Margaret Fincke