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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Payout is quick and is always correct
Payout is quick and is always correct
Insurer: Pets Best
By: Julie H
It has gotten so much easier to submit…
It has gotten so much easier to submit a claim, and the reimbursement time is much faster than it’s been in the last two years. Customer service is good and empathetic.
Insurer: MetLife
By: customer
Rapid response to claims
Rapid response to claims. Clear explanation of benefits. Professional and friendly customer support. Peace of mind.
Insurer: Spot
By: Therese Tanksley
There when you need them
I’ve been with trupanion for several years. This past month both my dogs had serious health issues with significant vet bills. Trupanion processed my multiple claims quickly (average of 24 hrs) and covered most of the expenses. I never had to worry about the estimates at the vet because I knew I was covered with Trupanion.
Insurer: Trupanion
By: Jennifer
Look elsewhere. Private equity owned now.
First off, my premium has skyrocketed in the last couple of years, now more than double what it was when we joined. Second, they are denying more claims as time goes on, similar to how human health insurance claims to cover you but finds a way not to. Third, I feel there is absolutely a premium increase based on your usage, and other users have pointed this out on Reddit (having two dogs, making claims for one and not the other and seeing a difference in their annual premium increases). I loathe that this company was bought by private equity; that was the beginning of true downfall. I wish I had chosen one that wasn’t, but I’m stuck with it now, as my pet has “pre existing conditions” in the eyes of any other insurance. Overall, getting policy coverage payouts is too hard, since they continually ask for more documentation to slow you and have you drop off during that process; it’s a known tactic. Why 3 stars? Bec at this point, they are still paying out most claims (with extra work) and the employees are lovely. But if I was someone buying a new policy, I’d look elsewhere.
Insurer: Pets Best
By: KT
They paid me what I expected
They paid me what I expected
Insurer: MetLife
By: Connie Tench
Quick processing time
My claim was processed quickly and reimbursement was made within a few days.
Insurer: Pumpkin
By: kat
You all helped save my girl
You all helped save my girl. I wouldn't have been able to afford treatment for her Addisons without you. Thank you.
Insurer: Trupanion
By: Kelsey
The ease of invoice submission and…
The ease of invoice submission and quick processing.
Insurer: MetLife
By: customer
Exceptional Customer Experience
I’ve had MetLife pet insurance since my dog was a puppy and I have had the best experience. It’s been very easy to contact customer service, get my questions answered, submit claims and get reimbursed. I had to double my coverage since vet costs have been raised substantially, but I honestly would not recommend going without it.
Insurer: MetLife
By: Jackie Nathan