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


May 27, 2026

Great customer service

Great customer service. Fair price. Great insurance protection. Easy to use for claims

Insurer: Nationwide

By: James Wiley

May 27, 2026

Trupanion is always so kind and always…

Trupanion is always so kind and always are great getting your claims processed. We have had a great experience with them. Unfortunately our new puppy has had some health challenges and they have helped us evert step of the way.

Insurer: Trupanion

By: Karen Brown

May 27, 2026

First year was great, then…

First year - great. Renew your policy and they screw you! On my latest claim, I have been waiting and waiting for them to adjudicate my claim and reimburse me for my pet’s meds, a claim they have covered for a year. But, I made the mistake of renewing my policy and they increased the cost dramatically and have not covered a claim since. They try to relate everything to preexisting conditions. This latest claim was always covered, but all of a sudden they say my claim is incomplete. Again, they were great at first, but once they have you hooked, they’ll rip you off and delay or deny routine claims.

Insurer: Embrace

By: Michael C.

May 27, 2026

I’m trying to appeal a claim and no one…

I’m trying to appeal a claim and no one has responded to me.

Insurer: Spot

By: Brittany Merida

May 27, 2026

My experience has been great

My experience has been great. Submitting and processing of claims is easy and fast. The customer service reps are pleasant and patient.

Insurer: Spot

By: Maria-Teresa Bonilla

May 27, 2026

Claims

Claims. I decided to cancel today. My current claim they kept rejecting because it didn’t have all the paperwork. This is a false statement. I verified three times sending it in that I have right paperwork. Feels like a common theme for this company.

Insurer: Fetch

By: Scott C.

May 27, 2026

Easy to use

Easy to use, and good coverage

Insurer: MetLife

By: Robert Migliore

May 27, 2026

I have a discount through my employer

I have a discount through my employer, a public school. My dog's current policy expires in July 18 but we were asked to make our insurance selections in May. I called to see if the new policy would take effect when the current one expired - sort of a renewal but with my current selections. The representative could not give me an answer. I went ahead and submitted the "new" policy. A representative, Rob, called me a few days later but we had a very bad phone connection. He said he would call back but never did. I logged onto the website and see that the new policy will be in effect June 1. So basically, I am paying twice for June and half of July.

Insurer: Nationwide

By: customer

May 27, 2026

Very easy enrollment

The enrollment process was very easy, and the coverage seems great!

Insurer: MetLife

By: customer

May 27, 2026

Easy and took little to no time

Easy and took little to no time - Great experience! My pet has coverage and it was my first time getting pet insurance.

Insurer: MetLife

By: Gabby G

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