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.

64,617 total


July 19, 2026

It was very simple registering my dog for insurance.

Very simple process and seems like a very good insurance.

Insurer: MetLife

By: Jennifer Morris

July 19, 2026

First time I had pet insurance

First time I had pet insurance. Quick efficient and simply amazing service, claim process and payment.

Insurer: Trupanion

By: customer

July 19, 2026

Signed up for Nationwide pet insurance…

Signed up for Nationwide pet insurance through my work benefits to take care of medical expenses related to my aging cat Simba who is now 15. First claim I’ve submitted for $763 for preventative check up, vaccinations, prescription and xray scans to check a mass in his lung was denied. Reason for denial they do not cover preventative care and have deem the other treatments to a pre-existing condition. Waste of time and money

Insurer: Nationwide

By: Joe Stone

July 19, 2026

I don’t like how the processing takes…

I don’t like how the processing takes long. You need to wait for like 10 to 14 days. When the claim is not that hard to be honest. Everything is there like the picture of the bill is getting sent but it still takes long and why is the monthly keeps going up.?

Insurer: ASPCA

By: Fatima Carpo

July 19, 2026

They are not longer great after the company changed owners

Healthy Paws used to be great. This is my 10th year with them. But earlier this year, they were sold to Chubb. Ever since they changed ownership, it has been awful! My monthly rate is now over $400 per month for a 10-year-old golden, and they suddenly reduced my 80% coverage down to 70%! In addition, claims that were once easily approved using my Vets invoice are now denied each time. I used to tell all my friends to use Healthy Paws, but I am now going to tell everyone I know to stay away from them. Be warned! Most of the positive reviews are likely from how great Healthy Paws USED TO BE, but now that they were sold to Chubb, THEY ARE HORRIBLE!

Insurer: Healthy Paws

By: Derek

Useful
July 19, 2026

Quick in responding to claims

Quick in responding to claims

Insurer: MetLife

By: REMANDABAN/VENERACION MARALIT

July 19, 2026

Pay your claims

Pay your claims, stop making your customers resend vet notes and invoices multiple times especially on conditions your fur baby has already been treated for and you have notes stating it is a permanent condition

Insurer: Embrace

By: Karan Kaplan

July 19, 2026

Fast refunds

My Yorkie had to have surgery to remove bladder stones. This was her third surgery and Spot was fast in sending the refunds for them. This was good because the refunds arrived in time for me to pay the charge on my credit card.

Insurer: Spot

By: Glenda Dixon

July 19, 2026

Rates go up tremendously after first…

Rates go up tremendously after first year in despite not having major claims. Claims seem more difficult to submit and longer to receive.

Insurer: Pets Best

By: Lauren Wright

July 19, 2026

MetLife Pet Insurance processed the…

MetLife Pet Insurance processed the claim right away. Thank you for a great service.

Insurer: MetLife

By: customer

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