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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Great service
Filing the claim was really easy and the reimbursement payment was very quick. The website is easy to navigate and claim process is very easy. I’m very pleased so far with my experience.
Insurer: Spot
By: WEBCLIENT
We're grateful for Trupanion.
We're grateful for Trupanion. Our 15-year-old Maltease Mix, Butter, has been with Trupanion for 12+ years. She had 3 major claims in her past years. Recently, we took her to the ER at Animal Emergency & Specialty Center because she had severe seizures multiple times. It was a scary moment that we thought we might lose her. Thank goodness she's safe. We're glad that Trupanion is always here to ease our difficult time. The claim was processed lightning-fast as usual. We highly recommend Trupanion to any family. You never know when the emergency will occur, but you will always have peace of mind with Trupanion alongside your beloved pet(s).
Insurer: Trupanion
By: Ann Ward
Helpful and Easy!
I've had Healthy Paws pet insurance since my dogs were puppies, and it has been so helpful knowing that if anything unexpected happens to my pets that I don't have to stress out over the budget as much. Each time I've put in a claim its been processed quickly and without hassle.
Insurer: Healthy Paws
By: Abigail Chiaramonte
For the fast process on claim
For the fast process on claim , refund and payment.
Insurer: MetLife
By: customer
Need to do a better job looking at the…
Need to do a better job looking at the claims. Denied a claim when my dog didn’t have any pre-existing condition.
Insurer: MetLife
By: customer
Said my claim was preexisting even…
Said my claim was preexisting even though it was diagnosed about 4 weeks before we had the surgery. I had coverage for over 6 months. I called and they reopened and and approved it. However, they still didn't approve everything and the invoice amount dropped from the original. Felt like they purposely denied it to see if I would even call and now they still paid less making me have to call again.
Insurer: MetLife
By: customer
Expensive
Grateful for the quick turnaround time for refunds. Although, I thought we would’ve received a greater amount of refund given the amount we pay monthly. For example—We pay $120/month for our Bernese Mountain dog. For every $250 vet bill we only receive about $100 back. It’s almost not worth the coverage. We like to have pet insurance for the peace of mind.
Insurer: MetLife
By: customer
We had an emergency vet visit and the…
We had an emergency vet visit and the only pet insurance they were willing to work with is Trupanion. We were kept apprised of our insurance situation throughout the process. The authorization happened quickly and without having to fight for the coverage.
Insurer: Trupanion
By: David
Our little baby girl was diagnosed with…
Our little baby girl was diagnosed with a heart a heart condition. Trupanion has made a stressful situation much easier. Making a claim is easy and they process the claims very quickly. They have done exactly what they promised when we signed up with them 4 years ago. Definitely worth it and we are so glad that we have them. Thank you Trupanion and Our baby kitty thanks you!
Insurer: Trupanion
By: Brian
AVOID ASPCA Pet Health Insurance
Purchased ASPCA Pet Health Insurance (underwritten by Independence American Insurance Company, administered by PTZ Insurance Agency) for my adopted Boxer puppy in March 2026. Annual premium: $1,366. I spent an additional $2173 in care. Total reimbursed in four months: $350. A heart murmur was noted at her first wellness visit, 8 days into the policy's 14-day waiting period. The resulting echocardiogram ($620) was denied under a waiting period exclusion. Her veterinarian submitted a letter stating the murmur is clinically consistent with a congenital condition. Formal appeal denied. The policy language explicitly includes congenital conditions in its definitions of covered conditions, but the claim structure makes it functionally impossible for any congenital condition to ever be paid: it will either fall inside the waiting period or predate the policy. I filed a complaint with the Massachusetts Division of Insurance. Boxers are a breed with well-documented cardiac and other hereditary health risks. A policy that includes congenital conditions in its language but excludes them in practice is not appropriate coverage for this breed. I would not recommend this policy for any breed with known hereditary health concerns. And given the amount they actually reimbursed relative to what I paid for the premium and for the puppy's vet care, I don't recommend this pet insurance to anyone.
Insurer: ASPCA
By: CC