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 17, 2025

Claims are always done in a timely…

Claims are always done in a timely manner.

Insurer: MetLife

By: elaine worthey

December 17, 2025

Ridiculous Reimbursement Turn Around

It is ridiculous that I have to wait 4 - 5 weeks for a claim reimbursement.

Insurer: Spot

By: Loida Ferrer

December 17, 2025

I put my claim in and within by 72…

I put my claim in and within by 72 hours I had money in my account. The whole process was so easy

Insurer: Spot

By: customer

December 17, 2025

the reimbursement rate is a joke

the reimbursement rate is a joke. We are paying nearly $300/month or two dogs. and we are getting nothing. we are looking elsewhere. also the new 9.5% increase is a slap in our face when you keep denying our claims.

Insurer: Spot

By: Kenneth

December 17, 2025

Go with the best!

I’ve been with several pet insurance companies & Spot is the best. They have not refused one claim, either applying them to my deductible or reimbursing me. They are very affordable.

Insurer: Spot

By: Rebecca Starita

December 17, 2025

FANTASTIC INSURANCE

Wow, during a very scary and unsure time SPOT Insurance came thru and made things feel better. Our love of our life and family therapist, HONEYGIRL, (6& 1/2 yr old goldendoodle) Had to have leg surgery and within a 2 week time period we were reimbursed the 90% of a $4900.00 bill. Thank you ever so much for being true ! I also talked with a service rep. To be sure my claim was submitted correctly and the rep was so very kind and helpful ♡

Insurer: Spot

By: Bridget Cook

December 17, 2025

Fast, prompt claim service!

Even though I submitted the claim over the Thanksgiving holiday weekend as soon as they returned to work the claim was processed so quickly! Remember, your claims will vary depending on what you selected to be covered but the main thing is that you have peace of mind when your pet NEEDS a medical procedure and you don't have to stress out about the costs.

Insurer: Pumpkin

By: Floyd

December 17, 2025

Solid recommendation

Customer service has been great when we've needed them, response times to claims submissions have been fast, and the coverage has been good for our dogs!

Insurer: Fetch

By: Mary

December 17, 2025

Had a claim processed thru them…

Had a claim processed thru them recently and everything went smoothly. But I needed to stop the original payment and have it reissued. Called customer service and they handled everything perfectly.

Insurer: Spot

By: Bill Cook

December 17, 2025

They have never given me any difficulty…

They have never given me any difficulty when submitting a claim. Their payment is prompt and clearly explained.

Insurer: Spot

By: LINDA REAGAN

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