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
Other Categories
Just the best
Just the best. It’s an investment in your pet. When my dog developed a seizure disorder Trupanion covered 90% of everything after the one time deductible. Spectacular. Customer service is old fashioned. Real human beings who pick up the phone right away and actually handle your issue in the moment. When we got our new dog, despite all the new pet insurance companies that have sprung up since we first got coverage for our old dog 13 years ago, we went with Trupanion again. They’re reliable and everyone I ever spoke with over 13 years was kind. They’re doing work they love for the pets they love.
Insurer: Trupanion
By: Christine
When my 1 yr old puppy had a bowel obstruction
When my 1 yr old puppy had a bowel obstruction last night, I didn't have to worry about the cost of the emergency surgery. The emergency animal hospital billed Trupanion directly and I just covered the co-pay, deductible, taxes and exam fee. What a relief! My heart bleeds for a couple at the animal hospital who didn't have insurance and had to take their very sick dog home because the cost for treatment was more then they could bare. My dog, thankfully was insured and I knew that whatever the cost of the surgery he would be treated. Thank you again for helping me through the worst night of our lives!
Insurer: Trupanion Canada
By: Liz
Fast response after sending claim
Fast response after sending claim
Insurer: Spot
By: Sally Florendo
SPOT Delivered on Their Promise
I’ve had a great experience with SPOT Pet Insurance. Recently, my senior rescue cat needed a treatment that cost several thousand dollars. I submitted all the required records, and once SPOT received the documentation, my reimbursement was processed without any issues. What I appreciate most is that SPOT has not raised my premiums because of my cat’s age, unlike some other pet insurance companies. One company I contacted wouldn’t even cover pets over 13 years old. The condition my cat was treated for developed after she was enrolled, and SPOT honored the coverage as promised. The claims process was easy, the reimbursement was fair, and SPOT has not disappointed me. I highly recommend them to other pet owners.
Insurer: Spot
By: Nathalie Hoarau
Denied cancer care over an unrelated old lump—policy feels like a scam
I have accident/illness care for my French bulldog. A couple of years ago, he was treated for a minor left eyelid mass. Recently, he developed cancer in his right EAR—the complete opposite side of his body and an entirely different body part. Pets Best denied his diagnostic and cancer care, claiming it is a "pre-existing condition." Their policy is written so that if your pet has a single mass removed anywhere, every single mass that occurs for the rest of their life is automatically deemed pre-existing and excluded from coverage. This loophole is devastating when your pet actually needs cancer treatment. It feels like a giant scam designed to avoid paying out when it matters most. Potential buyers beware.
Insurer: Pets Best
By: Brianna Newhart
Broad coverage
Broad coverage, vet recommended, website user friendly,
Insurer: MetLife
By: Gracie's Mom
Great company ! Never had a problem
Spot is very quick to respond to any submissions. Never had an issue with claims. Very good price - they are always fast and efficient responses!! Definitely recommend them! The price is even better if you go through sams club! Find it a great value for pet insurance and I have had a few different insurances.
Insurer: Spot
By: melinda rischar
Processed my claim very quickly.
Processed my claim very quickly.
Insurer: Spot
By: Dawn Robertson
Good experience sometimes there is a long wait for claim review
I have had a great experience with spot. My first claims were covered quickly. My most recent claim has taken much longer or my rating would be 5 stars.
Insurer: Spot
By: Briann
Spot Pet Insurance was SPOT on my fur…
Spot Pet Insurance was SPOT on my fur Baby got sick took him to the vet submitted my bill afterwards smooth process got Paid. I liked Spot
Insurer: Spot
By: Tom