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 on reimbursements
Quick on reimbursements. Good value for the money.
Insurer: Pumpkin
By: Gena
I was only a member since October 2025
I was only a member since October 2025. My dog had a full blockage of his intestines. They approved my dogs emergency surgery in minutes and saved his life. I will forever be grateful and thankful to them and customer for life.
Insurer: Trupanion
By: Michael MCALISTER
Good except for one thing
No one told me there were larger coverage options. So now is a chance the coverage will run out before an unforeseen surgery so I have to wait until December.
Insurer: MetLife
By: Cassandra Mans
Love MetLife Pet insurance
Love MetLife Pet insurance! The app is super easy to navigate and they are so friendly! Super easy claims process!
Insurer: MetLife
By: Renee
Unlike other insurers
Unlike other insurers, I have no issues with claims. MetLife do what they say they will
Insurer: MetLife
By: customer
Life-saving coverage
My dog was having repeated episodes of respiratory arrest, and would have died that day without intensive in-hospital care and pricy specialized surgery. I was able to get him the help he needed with the help of VetDirect pre-approval, which processed in real time within a few minutes. There was no panic of whether I could raise funds while he was struggling to survive. It's a week later, and he's not just surviving but thriving.
Insurer: Trupanion
By: jen
Quick and easy!
Claims are very easy to submit! Reimbursement was quick!
Insurer: MetLife
By: Lauren
Pumpkin Insurance is a joke
Pumpkin Insurance is a joke! They used a single bought of loose stool my puppy had after his vaccines as a reason to deny his emergency bowl obstruction. They labeled it a "preexisting condition." Are you kidding me? They were charging me almost a hundred a month to cover absolutely nothing. Why even bother if I am just going to end up paying out of pocket anyway? Don't be conned by them. They are just as heartless and money grubbing as every other insurance company. They don't care about you or your pets wellbeing. This is about the bottom line and if they can find a loop hole to deny you, they will!
Insurer: Pumpkin
By: Johanna Meyer
It really is the best!
Our dog had been sick for days vomiting and refusing food, and because his X-rays showed gas buildup, our veterinarian decided on the fourth day to take him into emergency surgery to explore if there was a non metal obstruction in his intestines. Lo and behold, he had swallowed rubber from who knows where and it had completely blocked his small intestine! Because of the hospitalization, medications, and surgery, my husband and I had enormous bills which we had to split between credit cards. We'll do anything for our sweet pup, but it was a huge financial burden. We are so grateful to have Pets Best insurance!!! Within a few days, we heard from them that we'd met our deductible and received a line by line statement showing the majority of costs had been covered after the co-pay. I will never stop recommending pet insurance, specifically Pets Best, to my friends and coworkers with dogs and cats. This company has given us the ability to treat our pet without hesitation during medical emergencies like this one. It's worth it 100%.
Insurer: Pets Best
By: Jen