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.

64,641 total


February 26, 2026

Trupanion equals higher premiums annually!

When I get an email from Trupanion I know before opening— it is going to be about another rate increase. Other than that it is to say that we found that your cat had some minor unrelated infection or issue years ago and we therefore are denying the claim because it is in the same region of her body. That is the True Trupanion. In all fairness they are quick to settle claims but offer practically no convenience such as paying the “premium” ahead of time. I have no idea what the benefit of this venture with VCA could be. It seems like a race to mediocrity. Simply put, when this cat goes Trupanion will get no more.

Insurer: Trupanion

By: Me

February 26, 2026

You made a mistake and cancelled policy…

You made a mistake and cancelled policy and now we have to reapply and go through underwriting and a waiting period?!?! This is ridiculous

Insurer: Nationwide

By: customer

February 26, 2026

Excellent and easy to navigate getting…

Excellent and easy to navigate getting pet insurance for our pup! Highly recommended and provides a sense of security for your animals needs.

Insurer: MetLife

By: Courtney Dunteman

February 26, 2026

Very easy claims submission through the…

Very easy claims submission through the app, quick reimbursements. A few times claims have accidentally been mislabeled and needed to be reviewed to get corrected which does take more around 30 days but very easy claims review process. Very happy with my plan and care and attention from Healthy Paws

Insurer: Healthy Paws

By: MM

February 26, 2026

Claim process

I recently had to take my cat to the ER vet and then vet and my claims were process quickly and with no issues

Insurer: Spot

By: Christine Watkins

February 26, 2026

Great experience

I found the claim process to be quite simple, as usual. I did notice a longer wait time for the reimbursement, but that was expected given that this was a very expensive invoice for us. It was the first time our dog had a surgery. Thankfully, there was nothing life-threatening.

Insurer: Healthy Paws

By: Richard

February 26, 2026

Very easy and straight forward

Very easy and straight forward. Easier to navigate than human health insurance tbh

Insurer: MetLife

By: Vashti Wagner

February 26, 2026

Excellent customer service

Excellent customer service. Very responsive and quick. Fair claims process.

Insurer: Embrace

By: Joel W. McCann

February 26, 2026

If I could choose them as my human…

If I could choose them as my human health insurance, I would. They make it so fast and easy to file claims, and actually stick to the agreement of what is and is not covered. I've been using them for almost ten years and I could not recommend it more.

Insurer: Healthy Paws

By: Dale Anderson

February 26, 2026

They paid all my kittens claims

They paid all my kittens claims. No questions asked. And paid very quickly. Some the same day I submitted

Insurer: Healthy Paws

By: KAREN LUNNING

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