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
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Outstanding service
Promptly addressed the invoice from our vet and provided a complete explanation of what was paid and why.
Insurer: Trupanion
By: Craig
Easy to use
It was very easy to upload the invoice and other important documents via the app. Review and approval of payment was quick.
Insurer: Fetch
By: Dina Gabriele
Such a good company
Such a good company. I get reimbursed in almost 24 hours or less and at a 90% reimbursement rate. They have always been reliable. Only negative thing I would say is the rates are consistently increasing.
Insurer: Trupanion
By: Elizabeth
So easy to submit a claim
So easy to submit a claim. Fair reimbursements in record time. I really appreciate the imbursement directly back to method of payment. Great policy options.
Insurer: Pets Best
By: kristi
Trupanion has upped their game since my…
Trupanion has upped their game since my terrible experiences with them in 2025 (see earlier reviews). While they may take a little time, they have been paying my claims in a fair manner, including back-to-back expensive visits to the ER. I have not had to call them in over a year and certainly have not been given the run-around that I experienced in 2025. I appreciate that Trupanion listened to my truthful reviews and that they have greatly improved their customer service and their commitment to allowing pet owners to take proper care of their beloved companions. - Thank you, Trupanion.
Insurer: Trupanion
By: Susan
Pumpkin's prompt (as in under an hour)…
Pumpkin's prompt (as in under an hour) reimbursement for a dental procedure claim speaks to its commitment to pets and owners alike.
Insurer: Pumpkin
By: SG
Filing a claim is easy and the response…
Filing a claim is easy and the response is quick.
Insurer: ASPCA
By: Phyllis Bookstein
Worst Pet Insurance - Covers NOTHING
Healthy Paws insurance does not cover ANYTHING unless it is an accident. Yearly checkups - nope. Vaccines - Nope. Ear Infections - Nope. My dog's non-emergent surgery - NOPE. They've never paid one dime to me in 10 years, but want to increase rates again and this time, I say NOPE!
Insurer: Healthy Paws
By: A.Allen
What are the "clauses"?
Kind of simple application, clear explanations on the policy, and easy to buy. But when I received the "policy summary" and the"policy wording", there's is a sentence in red: "This policy contains clauses that may limit the amount payable", and I could not find the"clauses".
Insurer: Sonnet
By: Susan Wong
Highly Recommended
We have been with Pets Best since our Patch was 6 months old. As fur parents, we were not expecting to use pet insurance. It was for peace of mind until we needed it. Patch started developing severe allergies before he turned 1 which continued throughout his lifetime. Pets Best was always on top of our claims. Never had any push back. Claims were easy to turn in and the reimbursement was timely. Explanation of benefits are clearly written out and summarized. When we had to close out Pets Best after Patch’s passing, their customer service representative was extremely empathetic and sincere in speaking with me. It was a very moving experience. For that reason alone, I would choose Pets Best all over again should we decide to get another fur baby.