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Verified December 11, 2025

Claim Process

Claim process was very easy to complete.

Insurer: Spot

By: Kathy Myers

Verified December 11, 2025

We have one dog and three cats insured…

We have one dog and three cats insured by MetLife, and we have never once regretted it. The times we have taken out pets to the vet for check-ups or if an emergency, MetLife has had our backs. We use the App and once we have paid the vet bill, I immediately submit the bill to MetLife via the app and await reimbursement, per our insurance agreement. This last pet visit to the vet was on a Wednesday, and I submitted that same day, and received the funds in my bank account the following Friday. I would recommend everyone to please get MetLife for your pets, and for your own peace of mind.

Insurer: MetLife

By: Mark C

Verified December 11, 2025

the ability to take care of my pets

the ability to take care of my pets

Insurer: MetLife

By: Maurice Gwinn

Verified December 11, 2025

Ease of submitting claims

Ease of submitting claims

Insurer: MetLife

By: customer

December 11, 2025

Even non routine exams will NEVER be covered

Haven't had to use the policy until now so 2 stars for now. The wording of their policy is somewhat misleading. They say routine exams are not covered which is fine. I was expecting exams to be covered if it was not a routine/yealy exam. (Example: brought my dog to the vet as suspected she had an anal glad infection) But the exam was not covered at all even though it was not a yearly routine checkup/exam. So just know that EVERY TIME you bring your pet in, the exam will NEVER be covered! Upsetting as when reviewing the policy the only thing i saw about exams was that routine ones are not covered but im sure thats all they want people to see..

Insurer: Trupanion Canada

By: Brad

Verified December 11, 2025

I had recently submitted an Emergency…

I had recently submitted an Emergency visit claim and Vet Follow up visit claim within the last week and just received the follow up responses. Thank you to the Spot Insurance team for making this pet owner feel their choice was worth it and right for our family’s needs.

Insurer: Spot

By: Bernie in AZ

Verified December 11, 2025

Doing what they say they do

So far I have no complaints. Fast refunds after I submit claims. They have covered what they said they would cover.

Insurer: MetLife

By: customer

December 11, 2025

The approval of the claim

The approval of the claim, excluding the payment, requires a duration exceeding one month.

Insurer: Pets Best

By: Kunhan Wu

Verified December 11, 2025

Great customer service

Great customer service

Insurer: Spot

By: Coleen Graves

Verified December 11, 2025

Easy process from start to finish

Claim processing was super quick and easy, and I’ve always received my money back promptly!

Insurer: Spot

By: Kelsey

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