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.

63,140 total


Verified November 07, 2025

Best customer Service and claims process

Claim are easy to submit and reimbursement is very fast and accurate.

Insurer: MetLife

By: Gloria

Verified November 07, 2025

I love this insurance

I love this insurance. I've never had any issues and they get back to you pretty quickly. Its easy to get them information thats required.

Insurer: MetLife

By: C Bursiewicz

November 07, 2025

Unfortunately I cannot recommend

Unfortunately, I have not always had the best experience with Pets Best. First I have two dogs and their premiums go up extremely high every year. Mind you I’ve had them since they were puppies and they’re now seven and nine. Submitting claims has been an issue now for over two months for the system is always down. Yesterday I even went as far as trying to email three times and I was told that the emails for claims currently being reviewed are backed up through October 31. Today is November 7. In addition reimbursement takes forever. They say it takes two weeks. I’ve actually waited on an average 6 to 8 weeks to be reimbursed and it gets very costly when you have two dogs that are going in and out of the vet for a vaccines for illnesses for wellness visits, etc. if my oldest dog didn’t have a pre-existing condition, I would definitely not go with Pets Best again.

Insurer: Pets Best

By: Pebbles R

Verified November 07, 2025

Great experience using Spot Pet…

Great experience using Spot Pet Insurance. We recently filed a claim for my pet's knee surgery, and the claim was complete and paid within 2 weeks!

Insurer: Spot

By: Michele M.

Verified November 07, 2025

Prompt claim resolution

Prompt claim resolution

Insurer: MetLife

By: customer

Verified November 07, 2025

Lifesaver

Metlife does a great job of ensuring we have a great experience. I can use the doctor I want, I get reimbursed 90%, and I love that they took on my pet after nationwide discontinued their plan. Metlife has been a true lifesaver for my pet! ❤️

Insurer: MetLife

By: Kristyn Wasikowski

Verified November 07, 2025

Easy to submit a claim

Easy to submit a claim. The claim was quickly put through. Very happy with this pet insurance plan so far.

Insurer: MetLife

By: MELISSA

Verified November 07, 2025

Great customer focus

Easiest way to file and follow the progress of a claim. Excellent customer service and superb communication protocols.

Insurer: MetLife

By: John Richardson

Verified November 07, 2025

Fast claims review and very simple and…

Fast claims review and very simple and reliable submission process.

Insurer: Spot

By: Sofia

November 07, 2025

Happy after 2 years

I have been with many different pet insurance companies, and I am extremely happy with Embrace. The rates are very reasonable. Just like ANY other pet insurance it's all on what YOU choose for your pet on coverage. You can have $10.00 a month up to $500+. I have 2 pets on Embrace and both pets I have high coverage on them because I CHOOSE too. Now the refunds are quick returns. Customer service staff are professional. Everything is self-explanatory on the paperwork that has been sent to me or if I look online. Again, if you don't understand something call customer service. I have had no problems with anyone, past or present and I have been with them for 2 years so far.

Insurer: Embrace

By: CeCi L.

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