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.

58,154 total


Verified January 25, 2026

Very easy to file

Very easy to file. Fast to process claims

Insurer: ASPCA

By: Maria E Silva

Verified January 25, 2026

Preapproval was easy

Preapproval was easy, and Trupanion worked smoothly with the vet hospital

Insurer: Trupanion

By: Jane

Verified January 25, 2026

Easy & Fast

We learned about Fetch Pet Insurance from Humane Society of Silicon Valley when we adopted our first kitten Pepper. The price is affordable and the process of filing a claim is easy and fast.

Insurer: Fetch

By: Angela

Verified January 25, 2026

they cover nothing and the expense of…

they cover nothing and the expense of the cost goes up every year. i woukd never recommend anyone to this insurance and neither would my sister and myv2 sons who also has tgen

Insurer: Trupanion

By: darlene

Verified January 25, 2026

Easy claim process

Easy claim process, quick decision and payment.

Insurer: MetLife

By: customer

Verified January 25, 2026

Great App/ Service

Navigating the app is very easy. Making a claim is straight forward and easy. The waiting period is not lengthy.

Insurer: Spot

By: Darcy Gutierrez

Verified January 25, 2026

My baby was in the ICU for 72 hours and…

My baby was in the ICU for 72 hours and the bill was high. Met Life Pet sent a check within 1 week of me submitting the information. Fast service and condolences because my baby passed away

Insurer: MetLife

By: Pat Holbert

Verified January 25, 2026

Unexpected MRI expense

My dog Eddie developed spinal pain and needed an MRI. The veterinary hospital was able to get my claim approved in just a few minutes and directly paid for. I didn't have to submit anything myself. I didn't have to wait on a claim or refund, I just paid the hospital the remainder of what I owed for my deductible. It was very convenient.

Insurer: Trupanion

By: Jennifer

Verified January 25, 2026

Truly grateful

I am truly grateful for MetLife Pet Insurance. From the beginning and all the way until my pet passed away, they supported me during one of the hardest times of my life. Their coverage and guidance helped ease the financial stress, allowing me to focus on loving and caring for my pet until the very end. The claims process was clear. I highly recommend MetLife to any pet parent who wants compassionate and reliable support.

Insurer: MetLife

By: Ismaray Cespedes

January 25, 2026

Mixed feelings

The most frustrating bit has been their flaky claim system. Cannot submit claims via the app or website. Always something with their azure platform. Have to email it and then you get "incomplete" claim returns and with no way knowing what the claim was about because the previous attachment didn't register so have to be very meticulous what and when you submit things. I really wish they would spend time fixing this. Had a recent pet emergency and required hospitalization and it's been two weeks and still no acknowledgment on some claims. Phoned and they told me to be patient. Emails sent to claims never respond in our experience. For past claims we are happy with the service; can't fault them. Co-pays etc exactly as per policy and I give them 5/5 for when it does work. Unfortunately have to mark them down for the long claim delays and recent issues with their systems. At least acknowledge there are issues and notify users in the app or website. It takes time to prepare the claims and when it times out without any warning and time spent on it was a waste, It's absolutely infuriating in this day and age. If you know there are issues act on it. Whoever is managing your IT systems, website or apps they need a kick up the ass.

Insurer: Pets Best

By: werner van zyl

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