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 10, 2026

Our cat had to be hospitalized for a…

Our cat had to be hospitalized for a urinary blockage/infection. The hospital was billing twice a day. Not only did Trupanion cover their portion promptly, they reimbursed the hospital directly and often within minutes of receiving the invoices. A few years ago we had a broken leg event and in that case Trupanion reimbursed us by direct deposit to our bank account within a few hours. Highly recommend.

Insurer: Trupanion

By: Gray Walker

February 10, 2026

Pumpkin has exceeded my expectations

Pumpkin has exceeded my expectations. They do what they say they are going to do. Quick reimbursement, no disputed or denied services, and responsive and helpful support.

Insurer: Pumpkin

By: Lonnie

February 10, 2026

Quick easy

Quick easy. Paid within a week.

Insurer: MetLife

By: customer

February 10, 2026

Easy claim submission

Easy claim submission. Relatively quick turnaround time. I also appreciate the online storage of my pets’ records.

Insurer: MetLife

By: Pam H

February 10, 2026

It was handled very competently by the…

It was handled very competently by the vet and Trupanion. No hassles, disputes, or communication issues. First class all the way.

Insurer: Trupanion

By: James

February 10, 2026

Easy to file claims and quick response!

Easy to file claims and quick response!

Insurer: ASPCA

By: Susan

February 10, 2026

great coverage, if you can get a claim processed

Moving into my second policy year. I had a claim for an unexpected tooth removal during the annual cleaning. Submitted the claim and 3 weeks in the insurance company requested more documents from the veterinarian. I confirmed with the veterinarian that they had been sent, but the claim was closed with no payment and stating they needed more information. I called the insurance company who confirmed that they did not receive anything. I then called the veterinarian who said they had sent it but then recent it to me directly. I uploaded the documents to my policy and immediately called them back to reopen the claim. This was over a week ago and I have yet to receive any notification. It's now been over 5 weeks and nothing has been done. This was my first experience with using this policy at pets Best and I must say unfortunately I am disappointed. I have had pet insurance for almost 20 years now and never had this difficulty or this long of processing for a claim.

Insurer: Pets Best

Veterinarian: Superior Animal Hospital

By: Steve

Useful
February 10, 2026

This company is amazing

This company is amazing. Using the App it’s super easy and fast to file my puppy’s claim. And they keep you updated with the claim tracker. Let me say it’s expensive when taking my puppy to the vet for her check ups, vaccinations and spay. This was the best thing I could have got for my puppy knowing that she is covered with MetLife pet.

Insurer: MetLife

By: Carlos Quintero

February 10, 2026

Easy and quick

Easy to file and got my my payment quickly.

Insurer: MetLife

By: Cat parent

February 10, 2026

First claim took almost two months to…

First claim took almost two months to get reimbursed.

Insurer: MetLife

By: customer

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