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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Very easy to file a claim
Very easy to file a claim. They respond quickly and always send reimbursement quickly.
Insurer: MetLife
By: Venessa
AI Invoicing is HORRIBLE
Years prior I referred a lot of fur baby moms to Trupanion... I stopped b/c the process with your newly chosen AI makes LOTS of mistakes with crediting correctly diagnosis and reimbursements. About every invoice I have to make time to APPEAL it to get proper credit to correct invoice and to get correctly reimbursed. It is enough stress having a sickly/terminal pet for AI to add more stress not correctly invoicing etc.
Insurer: Trupanion
By: Christs Graves
Our English bulldog "Rugar" fell ill…
Our English bulldog "Rugar" fell ill one day. We needed to rush him to the ER vet. Rugar went in with a high fever, irregular heartbeat and other symptoms. For 6 days we heard off and on that Rugar was turning a corner. Turns out Rugar who was only 5 had sever pancreatitis !After day 6, he could no longer fight and we were with him when we let him medically go. Trupanion, paid their portion of the $29,900 dollar bill. Helped remove Rugar from the plan when he passed ,so we didn't have to. Trupanion was wonderful and without them we would never have had the chance of giving Rugar the chance to fight! Thank you Trupanion !
Insurer: Trupanion
By: Traci Stroub
Metlife Better Deal
Had to get pet insurance when getting our Bernese Mountain Dog, required by breeder. They provided Fetch Pet insurance. It never paid hardly anything for any claim sent in. I was able to get a "Family Plan" here with MetLife Pet Insurance for 3 pets for less than what I was paying for individual with Fetch.
Insurer: MetLife
By: James Thorne
Losing my interest in recommending them
Once again they questioned the vet and their billing despite giving them the paperwork that was accepted in the past. Becoming too expensive. Went from $858.60 in 2023 to $3902.88 in 2026 for three dogs.
Insurer: MetLife
By: DW
Georgianas heart
When we found out our dog had mitral valve disease we were heartbroken. We learned that the drugs to manage this condition are very good and monitoring the condition is important. At every doctor or specialist visit Trupanion took care of the bill and our out of pocket expense was very low. Our Georgiana was doing well with her meds then her cardiologist suggested that she was an excellent candidate for the open heart procedure at The University of Florida which could repair the faulty mitral value. It would require a alot of testing and logistics to make happen. Also the procedure was between $45-50k. During our video conference with the doctors at The University of Florida they mentioned that in their experience Trupanion typically covers the procedure. Would an insurance company pay for such a pricey procedure for Georgiana? Yes, after submitting my preauthorization I promptly received an approval. The surgery came and went and Georgiana is doing so well that she is no longer on medications. Ten business days after the procedure, as expected Trupanion paid the bill. I want to thank Trupanion for their care for animals like my dog Georgiana. If you are wondering who to choose for to insure your pets health. There is only one answer, Trupanion.
Insurer: Trupanion
By: Michael Miller
Great Service
Pets Best insurance has been phenomenal. We’ve been customers for over 10 years now, with multiple small claims and three major illnesses. Throughout every situation, we’ve been able to make the best medical decisions without having to worry about financial impact as Pets Best has never pushed back on any claim. I can’t recommend them enough to any pet parent!
WORST PET INSURANCE COMPANY EVER - NEVER EVER GET IN THEIR TRAP
I’m forced to give 1 star to write this, but make no mistake: Pets Plus Us deserves a ZERO. I have been waiting since January 30th for a claim to be processed. It is now mid-April. In that time, they have happily taken my premium payments without delay, yet they refuse to pay out what is owed. I have chased them via phone and email for months, and all I get is a "we're working on it" email 75 days later. This is predatory. They bank on you giving up or forgetting about the money. Do not let the "cute" branding fool you—they are unprofessional, unresponsive, and effectively holding my reimbursement hostage. NEVER EVER GET TRAPPED BY THIS COMPANY.
Insurer: Pets Plus Us
By: Summer
Gia Best Dog
Great experience with Pets Best Insurance. My Claim was processed quickly, coverage is reliable, and customer service is always helpful and responsive. Gives real peace of mind knowing my pet is protected. Highly recommend!