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 19, 2026

I can't wait for it to be approved

I can't wait for it to be approved. My pet is dying now and I need to use the card now but I can't.

Insurer: Nationwide

By: Amber Hammitt

June 19, 2026

Easy to file a claim

Easy to file a claim, quick payout.

Insurer: Trupanion

By: Julie

June 19, 2026

1) We had such a hard time adjusting…

1) We had such a hard time adjusting our billing information after our bank account was hacked. What should have been a relatively easy fix resulted in an unexpected amount of money being drawn out. I’m sure that occurred because your customer service reps do not speak very good English, sorry to say. 2) One if our claims has been tied up for an excessive amount of time because more information was needed even after sending an itemized receipt. There was a note stating our vet’s office had been contacted and yet the claim sat for weeks in the same status until my husband called and insisted the vet be called for clarification while he waited on the line.

Insurer: Spot

By: Barbara Carey-Webster

June 19, 2026

Fast and accurate responses to claims

Fast and accurate responses to claims. Easy to work with.

Insurer: MetLife

By: Joe Amatangelo

June 19, 2026

The claims submission process is very…

The claims submission process is very easy and simple to follow. They communicate updates to you along every step of the process.

Insurer: MetLife

By: Michelle

June 19, 2026

I had to put a bunch of old claims…

I had to put a bunch of old claims through, and they handled them so well and quickly!

Insurer: Trupanion

By: Stephanie F

June 19, 2026

Be mindful of the rehab rider

I love Trupanion! However the rehabilitation rider wasn’t clearly communicated to me other than in one email and there is no way to add it after 30 days. I find that practice to be predatory and unfair. There should be a way to add it at a higher premium or a way to appeal and pay back premiums to add the coverage. Everything else has been great so far.

Insurer: Trupanion

By: Juli

June 19, 2026

Super fast claim processing- wonderful

Super fast claim processing- wonderful

Insurer: Fetch

By: Adam Cady

June 19, 2026

SERVICE IS GOING DOWNHILL

I have been with HP for 14 years. Service has always been spectacular and claims were handled efficiently. As of late, customer service has gone downhill and is declining each day. It takes an average of 3+ weeks for them to respond to a claim. When you call customer service, all you get is, "we're not allowed to discuss anything with you we have to have someone get back to you" and a supervisor never calls. My friends have TRUEPANION for years and have never had an issue. Save yourself the aggravation and stay away.

Insurer: Healthy Paws

By: Jagg

June 19, 2026

Great staff to get you through claim…

Great staff to get you through claim process and understanding concerns

Insurer: Trupanion

By: Linda VanMarter

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