Customer Service

Find out how pet insurance companies treat their customers. These reviews highlight the quality of support, communication, responsiveness, and how well companies resolve issues for pet owners.

70,435 total


Verified January 19, 2026

4 stars

The coverage is great. I have issues regarding communication and customer service. The claim turnaround time is longer than what is stated, but I understand there is a higher rate of claims. I did have an issue with a “pre-existing condition” because my pet had a previous UTI prior to coverage, but it was diagnostically resolved. When she had another UTI months later, I was denied coverage because of the previous UTI.

Insurer: MetLife

By: Anna

Verified January 19, 2026

Replied to my questions quickly and…

Replied to my questions quickly and thorough. Was very knowledgable about my claim.

Insurer: Spot

By: Dianna Whitehead

January 19, 2026

Insurance that's there when you need it

My healthy dog had a sudden illness this year. It was very scary, he lost 25% of his body weight in three months and he was suddenly loosing the ability to walk. The vets couldn't figure out what was going on at first. Eventually, we learned it was PLN, protein losing nephropathy. A kidney disease that made his body attack himself. The solution was some new medications and a diet change. I am so grateful for how painless ASPCA Pet Health Insurance made this whole process. It was so easy to upload invoice from the vets and get direct deposits straight to my account. The website was easy to use and track how my claims were progressing. Everything was so straight forward. I recommend ASPCA Pet Health Insurance to any pet owners I know who are curious. Worth every penny. It's so rare to feel like your insurance is there for you when you need it and we're so grateful. Can you guys do humans, too?

Insurer: ASPCA

By: Madelyn Andrews

Verified January 19, 2026

Beware

Beware! They make up reasons for denial. After appeal for anesthesia for a cat, I was told it was denied because of a behavioral issue. The cat has never had or been diagnosed with the vet, then called the insurance to explain this. They still denied. He then wrote a letter explaining that the cat needed to have his mouth examined and would not hold still for him to treat it and that was why the cat needed anesthesia. The vet explained the animal has never been diagnosed nor has the animal ever been treated with a behavioral issue and that it was nonsense for them to deny. Hoping after sent letter someone realizes. Next step will be complaint with Texas insurance board and attorney general and my own attorney for breech of contract and deceptive trade practices.

Insurer: Spot

By: Jefferson

Verified January 19, 2026

Helpful customer service

Helpful customer service, set me up with the coverage I was looking for.

Insurer: Prudent Pet

By: Anthony Rovetti

January 19, 2026

Great customer service with Justin!

I spoke with Justin after trying to make my purchase online. I wanted to breakdown fees for payments for one dog and not the other. Justin was very understanding and knowledgeable and gave me greater insight into coverages and rates for each dog.

Insurer: Fetch

By: Mary Ann Rojo

Verified January 19, 2026

Fetch insurance was there for me and my…

Fetch insurance was there for me and my pet when we needed it! It was an emergency and it was a relief to have insurance. The entire process from uploading the invoices to the final payout was easy. I appreciate the communication through emails and texts. Thank you! And I hope to not need the policy again but highly recommend having Fetch Insurance.

Insurer: Fetch

By: Rebecca

Verified January 19, 2026

Better than expected...

Over the course of my long life, I have never had pet insurance, but intuited that with Sage, my new dog who has mobility challenges and had been in a shelter for over a year, that I'd better get it. I was disappointed that when I sent in the first claim, I got nothing back, but do understand that pre-existing conditions prevented that. In the next two rounds of claims--for assessment and treatment with an integrative wellness veterinarian with whom she is doing laser sessions and gets adequan injections regularly and then for treatment for a hematoma with my regular vet--I did get refunds that helped with the significant vet bills I have had over the year. I have also been surprised and pleased at the quick return once the company receives the claims. The one time I spoke with a customer representative, she was cordial and efficient...

Insurer: MetLife

By: Pat S

Verified January 19, 2026

Always a great experience with MetLife

Always a great experience with MetLife! They have great service and are always speedy with their reimbursement process. The app is so simple to use. Best pet insurance out there!

Insurer: MetLife

By: customer

Verified January 19, 2026

Great company

Great company. The telephone reps are wonderful and my claims are always handled promptly.

Insurer: Spot

By: Victoria Champion

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