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.
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Quick process with proper reimbursement.
Quick process with proper reimbursement.
Insurer: ASPCA
By: Nicole Harmon
Waiting period and "pre-existing condition" nonsense
Had a terrible experience regarding my very first claim for my 9 year old female lab. She started limping-caused by either a dog park injury or onset of arthritis. Prudent Pet denied the claim, saying it was still the waiting period (it wasn't- waiting period ended 2 days before the injury/illness). When I appealed, it changed its rationale for the rejection-now said it was a "pre-existing" condition because my vet had recommended starting joint supplements as a preventative one month before I bought the insurance. Also ridiculously claimed that the vet visit for the limping was within the waiting period. I politely challenged them to show me where the vet summary said my dog had had a arthritis diagnosis- PP couldn't. I subsequently read other reviews that said PP often rejects claims on older dogs. Lesson learned. Will now pursue other options, ie Chewy insurance.
Insurer: Prudent Pet
By: Abby Stavitsky
Terriable business. Claim was NOT process and it's an annual vaccination!
Terriable business. They didn't process my claim for a regular annual vaccination for 4 weeks! Just keep sending emails back and force but continue NOT processing a request. Doesn't matter how many proof documents you upload or what your vet clinic said they keep HOLDING your request and don't pay. Be advice. Dissapointed! Claim was NOT process and it's an annual vaccination!
Insurer: Spot
By: Tvir Rtvir
If I could give 0 stars I would. It’s a complete waste of time and money.
If I could give 0 stars I would. This has been a complete scam, from the time I enrolled in March 2025 until now, end of May 2026. I have paid over $900 in premiums since I enrolled my pet. I have submitted 5 claims totaling just over $2,000 and ALL of my vet records. My vet's office also supplied all the records, which are very detailed, and go back 11 years. All of my claims were denied initially stating I hadn't provided the records. After ensuring they did have all records, I was told the claims would be reprocessed within 10 days. When I hadn't heard anything for over 30 days, I called customer service, and they confirmed I had provided everything needed and the man on the phone stated HE would personally ensure that ALL of my claims were reprocessed and he would contact me in 24-48 hours. That was 4 days ago. This morning I had an email stating I would hear from them in another 30 days. THIS IS UNACCEPTABLE. While I've been waiting on responses, I've been paying the premiums. My pet was NEVER covered under the insurance plan I've paid over $900 for to keep him safe and healthy. I've done my part 100%. ASPCA Pet insurance has NOT provided the services I've paid for. I've wasted so many hours of time on the phone or sending emails and records and I'm currently waiting on the phone AGAIN right now. DO NOT pay for this service. It is a total waste of money. And a complete waste of time, trying to get your calims paid or your money back. I have requested a refund and heard nothing back. I feel completely scammed. Updated June 15, 2026. ASPCA pet insurance still has not approved my claims or issued me a refund. At this point for my own sanity, I am just canceling the policy, even though I feel I was scammed out of $900 in insurance premiums. Don’t waste your time or money. Pet insurance is personal. We are trusting these companies to help us keep our pets healthy. I couldn’t be more disappointed by this company.
Insurer: ASPCA
By: MissDanelle
Smooth and Quick refund process
Easy to upload Vet bills and SOAP notes, quick turn around on pay out of vet bills.
Insurer: MetLife
By: Tina Neff
Easy claim submission online.
We had to use a different Vet Clinic than ours and submitting a claim online for the service was very easy!
Insurer: Trupanion
By: Scot
Great experience!
Amazing communication! And explanation of benefits is always so detailed. All calculations done correctly. Also, great to know that my kittens could see an emergency vet when accidents happen. Thanks for the fast review of claim.
Insurer: Fetch
By: Johana
Amazing efficiency!
Prompt, efficient payment! Amazing service!
Insurer: Trupanion
By: Diane
If I could give 0 stars I would
If I could give 0 stars I would. My monthly not only increased from 120 a month all the way to now 258 a month. For two cats. And even though I didn’t experience these issues before, what you guys have done lately is beyond words. In a really bad way. My cats have gotten their teeth cleaned for the past 3 yeas, while they were insured under Met Life, never had an issue with claims or refunds. But the last time which was well over a month and a half ago. They got their teeth cleaned and I submitted my claims right away. Tell me why is MAY 26th and I still haven’t received any money regardless of having called and spoken to multiple associates and representatives (MORE THAN 10 different people) they all said they would reach back out to me, which non did. Now here’s the thing. On my end it’s showing that claim as closed/solved&paid… guess what? I have not received any money. Despite speaking with multiple different people and them supposedly putting a note for the billing department to reissue the payment. The wait has become unbearable because we’re not talking about $25. We are talking almost $1000. So please be diligent and process my refund with urgency. This is a big amount of money and mostly in this economy. I am beyond disappointed and dissatisfied with this company and how you chose to deal with my claim. please solve this as a matter of urgency. I’ve contacted you guys over emails, that never get replied, through the app where I can never get a hold of a human as well as the phone which I’ve called and spoken with different individuals over 10 times. Thank you, I hope this can get resolved with a sense of URGENCY. Otherwise I will go bankrupt. I’m just a young responsible woman who’s never missed a payment and has been loyal to Met life for years in consecutive. Please HELP IS NEEDED WITH URGENCY REGARDING THIS MATTER.
Insurer: MetLife
By: Dissatisfied Customer