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 18, 2026

Great Service!

Prompt processing of my claim. Fair outcome. Great customer service.

Insurer: Pumpkin

By: Jim Liang

February 18, 2026

Easy to submit my claim and fast…

Easy to submit my claim and fast reimbursement.

Insurer: Fetch

By: Sjgreger

February 18, 2026

Monthly medications that were covered…

Monthly medications that were covered in the past are not covered.

Insurer: Trupanion

By: baizim

February 18, 2026

Exactly what was to be expected

Exactly what was to be expected. Reimbursement for my visit minus my deductible. Could not have been easier!

Insurer: Pumpkin

By: Cat Mom

February 18, 2026

Very positive experience with multiple claim submissions

I submitted multiple claims on vet treatments for our two dogs, all at the same time. I was satisfied with how all the claims were handled: easy submission, great communication and reasonable processing time.

Insurer: Pets Best

Veterinarian: Spring Valley Veterinary Clinic

By: Ben

Useful
February 18, 2026

MetLife is easy to use

MetLife is easy to use. You just upload the invoice and doctors notes and they get back to you within weeks with a deposit that goes right into your account once approved.

Insurer: MetLife

By: customer

February 18, 2026

A little more info.

Doesn’t really explain how to submit my se claims.

Insurer: Pumpkin

By: Christy Eads

February 18, 2026

Past experiences have been positive

Past experiences have been positive. Reimbursement ha not taken too long. Waiting to be reimbursed once again. Hopefully, vit will be just as quick. We’ll see!?!

Insurer: MetLife

By: J. Pardo

February 18, 2026

First claim

First claim: immediate response with a check. Second claim: nada. Impressed then disappointed. Have been sending statements but no action from Spot, ( except the insurance premiums are paid - by me!

Insurer: Spot

By: Joan Gualdoni

February 18, 2026

Do not recommend

I am extremely disappointed with Trupanion. I spent over $12,000 in veterinary bills for multiple, serious and separate issues, and every single claim was refused. Not one was covered. What has been most frustrating is that it genuinely feels like the claims were never properly read or reviewed. Each time, a new excuse was given to avoid paying, rather than actually looking at the medical notes and circumstances of the claim. At a time when I was already under huge emotional and financial stress with my dog, dealing with Trupanion only made the situation worse. I paid for pet insurance to have support when something truly went wrong — and I received none. Based on my experience, I would not recommend Trupanion to anyone who expects real support when they actually need to make a claim

Insurer: Trupanion

By: Lilli Smith

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