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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If I Could Give 0 Stars, I Would — Terrible Claim ExperienceIf there were an option for 0 stars
If there were an option for 0 stars, I would choose it. I’m extremely disappointed with Spot Pet Insurance. My claim for my dog Alex was denied twice even after submitting all requested medical records. Spot never contacted my veterinarian for verification, and the claim process was slow and unnecessarily complicated. Missing even one item means an automatic denial. I switched from Healthy Paws because Spot advertised reimbursements for vet fees. In reality, Healthy Paws is far superior — straightforward, fast, and proactive in contacting the vet. I’m returning to Healthy Paws and regret switching to Spot.
Insurer: Spot
By: Nine G
Great For An Unexpected Oops
We’ve had two major incidents this year with a 3-year-old lab. MetLife has come in very handy.
Insurer: MetLife
By: customer
I never had pet insurance before and…
I never had pet insurance before and never thought it would be necessary! As my dog was healthy and started aging a bit, I checked some different pet insurances and Figo review was outstanding compared to other insurances. Also when Costco is working with you, that means you are the best. Anyway, my dog started being sick months after I enroll and I started claiming medical expenses. All Figo asked was to provide documentation that this is not pre-existing and the medical summary for each visit. I always got my reimbursement paid directly to my account within 2 weeks. Never any issue! Figo is not about money you pay which is nothing, but it is about the support they provide. If Figo wasn’t there for me, I had to spend $20k in 2 years out of pocket!! Figo is the best, get it and cover your Pet insurances case of any illness or accident (I hope it never happens to you).
Insurer: Figo
By: User
No contact
Well, I applied for pet insurance and paid the fee. Once it all got sent and done it said that it was being reviewed with the underwriters and I would be notified if approved and once my policy takes affect. Aside from this email asking me made to review them, I haven’t received any other information of whether I have policy or not despite the fact that I’ve already paid.
Insurer: Nationwide
By: custom
MetLife Pet insurance is so easy to use
MetLife Pet insurance is so easy to use and quick at reviewing claims.
Insurer: MetLife
By: Luann McNaney
I submitted a claim
I submitted a claim, and even though my deductible has been fully covered my claim was denied.
Insurer: MetLife
By: SLM
My claim was quickly processed and…
My claim was quickly processed and settled.
Insurer: MetLife
By: customer
Excellent pet insurance with prompt…
Excellent pet insurance with prompt reimbursement!
Insurer: MetLife
By: Lori Pitcher
Prompt payment
Claim was paid in a timely fashion according to the easily understood guidelines.
Insurer: Spot
By: Beverly Stewart