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 15, 2026

Easy access to navigate mobile app and…

Easy access to navigate mobile app and submit claims. Excellent response time.

Insurer: MetLife

By: Sue C

June 15, 2026

Spot pet insurance so far has lived up…

Spot pet insurance so far has lived up to my expectations and have responded quickly to my claims.

Insurer: Spot

By: Judy M

June 15, 2026

So disappointing

If my dog gets diagnosed with a periodontal disease, it will be considered a pre-existing condition and not covered under her insurance. I was told that this was a brand new thing and it’s ludicrous. I need to have her teeth cleaned and was looking at an $800 bill. I have just been so disappointed with this insurance and more than likely will change once her policy expires later this year.

Insurer: MetLife

By: Kate

June 15, 2026

Very happy with Trupanion coverage!

Very happy with Trupanion coverage!

Insurer: Trupanion

By: Ann Denue

June 15, 2026

Reimbursement for thorn in paw

It was easy to determine coverage amounts and what went toward the deductible.

Insurer: Fetch

By: Gina Weihert

June 15, 2026

I firmly believe your company simply…

I firmly believe your company simply takes our money every month and doesnt' pay for ANYTHING. If our dog wasn't so old, we would definitely cancel. This was the first time you actually paid anything. Never again.

Insurer: Trupanion

By: Beth

June 15, 2026

Easy to submit claims.

Easy to submit claims. Fast review & approval process. Claim paid quickly.

Insurer: MetLife

By: Martin

June 15, 2026

Reimbursement was Simple and Quick

Our pet needed surgery on her back hind leg and our MetLife Pet insurance made filing our claim and receiving reimbursement easy. We are so thankful that we chose MetLife!

Insurer: MetLife

By: customer

June 15, 2026

They took about 10 days to process the…

They took about 10 days to process the claim but they reimbursed me the 90% as expected. I was easy to submit the claim via the app. My overall experience was great.

Insurer: Spot

By: Jonathan Gonzalez

June 15, 2026

It is a very easy process for claims

It is a very easy process for claims. I would highly recommend Pumpkin Pet to other pet owners.

Insurer: Pumpkin

By: Robin

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