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.
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Beware - "Pre-Exisiting Condition" is their song
Word to the wise for rescue adopters - do NOT share prior medical records with Trupanion - they will only use them to screw you and deny coverage. I have had Trupanion for 7 years since I rescued my dog at 6 months and have CONSISTENTLY been denied coverage due to "pre-exisiting conditions" supposedly stated in his health records prior to adoption. They denied an ear infection (the first in 4 years!) because apparently he had an ear infection as a puppy. How can a current ear infection be "pre-existing"? Now they are denying a tooth extraction because his records show poor dental of his pre-adoption baby teeth. If everything is "pre-existing" might as well shop for a cheaper alternative (which I will now do). Very disillusioned and totally fed up. Their rates only increase each year and their coverage for my poor rescue boy is completely nonexistent.
Insurer: Trupanion
By: Diana
Spot has been nothing but amazing
Spot has been nothing but amazing. The few times that we have had to use it, there have been no complaints.
Insurer: Spot
By: Ashley Millette-Feugill
Annual fee increase is astronomical and…
Annual fee increase is astronomical and inappropriate. I've also had issues in the past where AI is clearly reviewing cases and the result is nonsensical and I've had to spend time and effort appealing to get the correct result.
Insurer: Trupanion
By: Danielle
Excellent Pet Insurance
I am very pleased with the amount of coverage I get at a very reasonable price. Being able to bundle three dogs together and have them all contribute to the same deductible is great. Generally I am reimbursed in a timely manner. It was a little slow over the Christmas/New Year's holidays. I have recommended MetLife to several people who were interested in pet insurance or were unhappy with what they had. Just read the fine print about pre-existing conditions. It's very clear.
Insurer: MetLife
By: Marj D
Overpayment Hassle
I submitted my pet’s prescription strength dog food and recommended supplements and they were approved by your staff. I continued to submit receipts since the products were approved by your staff. Then I receive a letter that there was an overpayment. I paid the amount in question. I then receive another letter; which, included the dates from the prior letter along with one additional date but the previous amount was already taken care of. Your company cashed the check. I called to explain the situation and was told it was being routed to the right person and I would get an email with the correct amount due. Weeks went by. Never got an email. I called numerous times and sent several emails explaining the situation. No one could do simple subtraction and confirm I only owed for the last date in question. I then received one final letter, called the company again, and finally got the situation resolved. It was a very lengthy, annoying process that was entirely your staff’s fault. I am not sure why the products were continuously approved. With all of the hassle you caused me it would have been nice if you just took the loss since it was your fault. Now I’m submitting receipts for items that are totally unrelated to preexisting conditions yet they keep getting denied. It is beyond frustrating.
Insurer: MetLife
By: customer
worthless
I'm so lucky my pets don't have preexisting conditions so I was able to switch off of this nightmare. Unable to contact them or get any kind of reimbursement. Haven't been able to log in for 3 months through the app or website. Instead only get errors. Waste of money.
Insurer: Pets Best
By: Patrick
Great insurance for our pets
Great insurance for our pets. Quick and easy reimbursement for our bill from the vet.. thank you.
Insurer: Spot
By: Yolanda Campbell
It was easy to apply but I have not…
It was easy to apply but I have not received a decision yet
Insurer: Nationwide
By: Michael Donelly
Claim Denied Despite Vet Record Showing No Gingivitis
My dog required dental treatment, and I submitted a pre‑authorization request and supporting veterinary records. The claim was denied on the basis that the condition was “pre‑existing.” However, a March 7, 2025 veterinary record clearly documents: “Oral Cavity: Teeth are free from excessive tartar, no gingivitis present.” This is a clinical finding recorded during a hands‑on wellness exam. Despite this written medical record showing no gingivitis at that time, the insurer stated they contacted the veterinary clinic and were told that no oral exam was performed. When I contacted the clinic directly, they informed me they have no record of being contacted by the insurer and confirmed that the oral cavity findings in the chart reflect the veterinarian’s observations. I requested documentation from the insurer showing who they spoke with at the clinic, when the conversation occurred, and what was documented, since this alleged conversation contradicts the written medical record. The insurer declined to provide that information while continuing to rely on it to deny the claim. The insurer also took 9 days to provide an initial pre‑authorization response for a dental procedure involving extractions for active dental disease. I have now filed a formal complaint with the Washington State Office of the Insurance Commissioner regarding the claim handling and use of evidence in this denial.
Insurer: Prudent Pet
By: Sameez Charania
Thank you for handling my cat's case…
Thank you for handling my cat's case with care! We feel very supported, knowing that we could have help with his emergency care.
Insurer: Spot
By: Chelsea Peters