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.

64,617 total


June 22, 2026

Embrace has always delivered for us

Embrace has always delivered for us. I had a very sick dog and they were fast and fair with their reimbursements. I would not hesitate to use them again.

Insurer: Embrace

By: Scott Silver

June 22, 2026

Always fast and taken care of

Always fast and taken care of

Insurer: MetLife

By: customer

June 22, 2026

Majority of Emergency Vet cost was covered

When my cat, Rourke, had to stay at the emergency vet for three days, I knew the only thing I needed to worry about was her. The cost of the services wasn't a factor in the care of my cat because I knew the bulk of them would be covered by MetLife. After I submitted my claim, it was less than a week to receive reimbursement from them. And while I was in the EV waiting room, I actually recommended MetLife to two other people who hadn't purchased pet insurance to cover any future emergencies.

Insurer: MetLife

By: Lori

June 22, 2026

Process Easy and Quick

This process was very easily accessed with the app. It is easy to understand what is needed. I already had a policy for my Ambry. The claims and refund process is very easy to submit and the reply and payment is quick.

Insurer: MetLife

By: Dorothy Sawyers

June 22, 2026

Easy and efficient claims process

Easy process to submit claims, timely response, and detailed information explaining claims / payments.

Insurer: Trupanion

By: Deborah

June 22, 2026

Easy and fast

Easy and fast

Insurer: MetLife

By: customer

June 22, 2026

On going treatments

My dog was diagnosed 1 year ago with MUO. She goes for treatments 1x a month. I was never denied for treatments or tests. They are a caring company. I recommend whenever I am asked.

Useful
June 22, 2026

Spot just takes your money. Does not pay out anything. …

Spot just takes your money and does not cover anything. Avoid, avoid, avoid. We will be canceling this week as nothing was covered for our pup's ear infection after paying the monthly premium for more than a year. Corrupt as hell.

Insurer: Spot

By: Jeff LeGrue

June 22, 2026

Sleep Better At Night With Trupanion

Nothing has ever been denied no matter how many claims we’ve had to make. If it’s not part of routine care of a healthy dog, it’s been covered and saved us thousands. One of my dogs spent over 5 years of premiums in a week when he got sick a few years ago. We rest easy knowing he and our other Xolo are covered no matter what life throws at us. We know we’ll never need to make a hard choice.

Insurer: Trupanion

By: Jess

June 22, 2026

The claim check came fast for some…

The claim check came fast for some routine procedures thanks

Insurer: Pumpkin

By: MARLENE

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