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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I have been looking and comparing…
I have been looking and comparing plans. I was happy to be able to choose what coverage I wanted.
Insurer: Nationwide
By: Deborah Deal
Nationwide cancelled our pet's policy and now my epileptic dog can not be covered
Nationwide cancelled our pet's policy and did not provide clear methods of paying for the new policy they enrolled my pet in. The whole situation was confusing and difficult to understand. While they say they enrolled my pet in the new policy, when I logged into their website there was no way to make a payment on this new policy. When I called to inquire about making a payment, they informed me that 30 days had passed at the renewal of the new policy and that I would no longer be eligible to continue our pet's policy, meaning all of his prior conditions would not be covered. Our dog is epileptic, so this was shocking to hear as I had made on-time payments for years. I'm devastated and disgusted. Their website is so awful and difficult to navigate, and they use antiquated snail mail methods to communicate. There were no payment reminders. There's no way to sign up for auto payments. So you have to set a reminder on your calendar to log into their sh*tty website to make a payment, and that's IF their website works. Your alternative is to call and sit on hold for customer service, and you'll wait for 20 minutes just to be told nothing valuable. When I talked to customer service, there was little to no sympathy and zero flexibility in allowing me to make a payment. Now we will have to live with our dog potentially getting sick or needing to go to the hospital for epilepsy and not having any coverage at all. Does it seem worth it? I don't think so. There are hundred other pet insurance companies out there, I'm sure there's at least one that's better. I'm going to try Lemonade.
Insurer: Nationwide
By: Angie Kang
This has been one of the most… Frustrating experiences
This has been one of the most frustrating insurance experiences I’ve ever had. What should be a straightforward claim has turned into an endless cycle of document requests with no clear explanation of why each additional record is needed. It feels like the process is designed to delay decisions rather than actually evaluate claims fairly. Every time something is submitted, another request follows. There’s no transparency, no clear timeline, and no sense that the customer is being supported. When you’re dealing with your pet’s health, the last thing you need is added stress from an insurance company that makes the process this difficult. Very disappointing experience overall.
Insurer: Pumpkin
By: Nicholas Tannous
Fast Reimbursement, No Hassle
Our dog recently had an accident requiring an emergency procedure — the vet bill came to about $5,000. We had Pumpkin Pet Insurance and filed a claim the following day. I expected weeks of back-and-forth, but the reimbursement hit my account the very next day. With a 90% reimbursement rate and $500 deductible, we got back $4,000 on a $5,000 bill. Couldn’t be happier. Highly recommend.
Insurer: Pumpkin
By: Kris
Do NOT recommend
My advice is to stay far away from Healthy paws. I would recommend Insurance through Chewy or Lemonade or Pumpkin. Healthy Paws pretends to act concerned about your pet, but fails quite often to back up that “concern” with action. Every time a claim is submitted, instead of sympathy, concern or basic human decency, I am inundated with notices informing me that it is “illegal to submit fraudulent claims” (which in no way is what I am doing. I am simply submitting a claim for reimbursement for medical care and medication) along with demanding that I perform additional veterinary visits to force my vet to do lab work to substantiate something as simple as an antibiotic, when lab work is not necessary and puts my pet through undo stress and also which is a higher cost. And Healthy paws does not reimburse the cost for vet visits, so they are happy to require additional services like this because they believe that you cannot afford additional visits to the vet, hence will resign and give up on getting your claim reimbursed. Additionally, premium fees go up annually based solely on your dog’s age, which is illegal, and there have been class action suits against them for this. I would not advise in anyway to trust Healthy paws with your animal’s health and safety. They will do anything possible to get out of paying a claim and when you are going through a difficult time, instead of getting any sympathy or support, you receive threatening and insulting email correspondence and a refusal to simply honor the policy. They do not cover vet visits. They do not cover any prevention and when your pet is sick and the last thing you can do is think about submitting a claim, you get a lot of red tape, hassle and accusatory language. ‘Very strongly advise against Healthy Paws.
Insurer: Healthy Paws
By: Barbara
Really satisfied
It was really easy to submit the claim, I was surprised at how smoothly everything went.
Insurer: Spot
By: Angie
Process claims quickly
Process claims quickly. On large bills pay most of it.
Insurer: Trupanion
By: TJO
Easy to get my new African Greys…
Easy to get my new African Greys insurance set up. Excellent customer service during set up and I’m very happy with the coverage I was able to get my new girl.
Insurer: Nationwide
By: Missi
Always super helpful and fast at…
Always super helpful and fast at processing claims. It helps me take good care of my pet family.
Insurer: MetLife
By: Ted Booth
I just cancelled
I just cancelled my MetLife Pet Insurance. My cat vomited once during the two-week waiting period in October 2025. Now every claim that has anything to do with vomiting is being denied on the basis of a pre-existing condition, even a trip to the ER with entirely different vomiting symptoms (appeal denied). My understanding is that vomiting in a cat is a symptom and not a condition. For example, cats can vomit due to eating too much too fast or medical conditions such as hyperthyroidism or lymphoma. Hyperthyroidism or lymphoma should be categorized as a pre-existing condition if this was the case, not the symptom of vomiting. I consider this policy to be worthless for my purposes of giving my cat the best care regardless of the price.
Insurer: MetLife
By: Cynthia Newton