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.

64,674 total


December 21, 2025

Easy to submit and quick turnaround

Easy to submit and quick turnaround

Insurer: MetLife

By: Julia Corbett

December 21, 2025

Easy to submit claims.

Easy to submit claims.

Insurer: MetLife

By: customer

December 20, 2025

I am grateful that many required…

I am grateful that many required services were covered. However, one cat had evidence of arthritis as he aged although no treatment was required. When he needed treatment, claims were denied as a preexisting condition. That is really unfair since as we and our pets age, there are naturally occurring conditions. To deny coverage is just so unfair and inconsistent with all data on the aging process.

Insurer: MetLife

By: customer

December 20, 2025

Did what was promised

Did what was promised. Got the insurance within 14 days after Vet visit and the covered items were paid within days.

Insurer: Pumpkin

By: Ann

December 20, 2025

Easy to work with

Easy to work with no issues so far only drawback is having the records everytime I submitted a claim

Insurer: MetLife

By: JustAnswer Customer

December 20, 2025

Great company

Great company. Good customer service. App is helpful. They cover everything they say they will.

Insurer: MetLife

By: customer

December 20, 2025

I switched from lemonade with my other…

I switched from lemonade with my other dog got a rescue changed to Spot pet insurance best decision I’ve ever made. They’re awesome when you file your claim it only takes like two days to get reimbursed. Their customer easy to get a hold of and the best I would refer this pet insurance to everyone. You won’t be disappointed !!! Also daughter got puppy talked her into signing up she is so glad I recommended you!!!

Insurer: Spot

By: Julie Solima

December 20, 2025

Spot makes it really easy to fine my…

Spot makes it really easy to fine my claims for my pup. A quick turn around time as well. I had my direct deposit set up and received fund within a couple days a

Insurer: Spot

By: Myra Pina

December 20, 2025

Very happy with this insurance and…

Very happy with this insurance and claims response time.

Insurer: Spot

By: Kate Hungerford

December 20, 2025

Had coverage on my 4 dogs for 7 years

Had coverage on my 4 dogs for 7 years, it's been great aside from the doubling of premiums each year for the past 2 years. Prior to that there were no premium increases. Claim submission and reimbursement is quick and easy. Even with increased premiums, it's saved me thousands over the last 2-3 years.

Insurer: Pets Best

By: Brittany Worden

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