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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My claim was easy to fill out
My claim was easy to fill out. Attaching the notes was a bit of a challenge since they were too big, but I figured it out and was simple.
Insurer: MetLife
By: Lori MacNab
My 1 year old Havanese dog that we got…
My 1 year old Havanese dog that we got from a breeder we noticed around her 1 year birthday that she was limping and pulling her right hind leg up. I took her to the vet and they X-rayed her. The diagnosis required a hip surgery of $2200.00 plus rehab. I purchased the hereditary portion of the coverage. The claim was denied because it was found a few days before the 30 day wait period. They call it pre-existing and not hereditary even thought the 2 vets called it hereditary. What a sorry insurance provided by what is thought of as a quality company. I read through a lot of these reviews and see overall it is a crappy company the AKC has chosen to work with. Are they not reading these reviews.
Insurer: AKC
By: garywroyals
Impressive processing timeline.
I was impressed on how expedient the claim process was. Within one day, the claims were processed and funds deposited into my account.
Insurer: MetLife
By: IMA
Fast
Fast, Efficient, and Easy to use...Trupanion worked with my provider to pay the bill. My provider even had a Trupanion display on the counter, showing the provider support. Great Experience!
Insurer: Trupanion
By: Dennis
Affordable & So Kind!
User friendly web-site to register for Pet Insurance. For over 10 years, ASPCA has been very affordable for my pups! When my 5 year old Doberman was diagnosed with Cancer, ASPCA was AMAZING with helping cover his Chemotherapy.
Insurer: ASPCA
By: LB
The explanation of benefits was easy to…
The explanation of benefits was easy to read and understandable.
Insurer: Nationwide
By: customer
easy to use & quick payment
easy to use app. fast review and approval. Quick payment. thank you
Insurer: MetLife
By: customer
They are very kind and courteous
They are very kind and courteous. Claims are easy to submit and are processed extremely quickly.
Insurer: MetLife
By: Annette Glory’s owner
Healthy Paws Recommendation
Healthy Paws has been great throughout our cat's recent emergency situation and surgery. They process claims same day and the reimbursement is direct deposited in my account within 48 hours. The policy is clear and lacks ambiguity so we always know what we will get. Their site is very easy to use and they are extremely responsive.
Insurer: Healthy Paws
By: Abigail Goldstein
They will find a way not to pay
I took out a policy with Trupanion for my new puppy, Kimi, from the day I brought him home on 21 June 2026, believing I was protecting him from unexpected veterinary expenses. My very first claim for an ear infection was denied as a "pre-existing condition." Their reasoning was that the vet notes recorded Kimi had been scratching his ears for approximately two weeks before the appointment, and they used that estimate to conclude the condition existed before my policy started. This was despite me only taking ownership of Kimi on 21 June. As a new pet owner, this experience has completely undermined my confidence in pet insurance. You pay premiums expecting support when your pet needs care, only to find that common puppy issues can be excluded based on retrospective assumptions rather than clear evidence. The appeals process made no difference. After a "thorough reassessment," the original decision was simply upheld with the same explanation. My experience has left me questioning the value of paying for insurance if the first genuine claim is declined on such technical grounds. I would strongly encourage anyone considering Trupanion to read the policy wording very carefully, particularly the definition of "pre-existing conditions," and compare it with other providers before making a decision. Unfortunately, my first experience with Trupanion has been extremely disappointing. ***Reference to your message/response below.*** This is very much a message for the general public to read on how great your customer care is supposed to be, where in reality the email I received was “sorry to see you go”.
Insurer: Trupanion
By: John c