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.

62,907 total


Verified May 17, 2026

I have submitted two claims thus far…

I have submitted two claims thus far regarding my dog fracturing his paw and Trupanion has been exceptional in their service. The claims' processing time frame has been super quick and the payment has been quick as well. I am happy that I chose Trupanion; They have lived up to their reputation of having stellar service.

Insurer: Trupanion

By: J West

Verified May 17, 2026

Easy submission process

I’ve submitted 4 separate claims so far for one total issue, as there have been many vet visits. Submitting has been easy, and they have accepted explanations referencing the previous info without a problem. EOBs have been clear and reviews and reimbursements for the first three have been timely.

Insurer: ASPCA

By: Anita Griffith

Verified May 17, 2026

They really didn't try to assist me…

They really didn't try to assist me with providing me with a policy that would really help with my pet which is why I terminated my policy

Insurer: MetLife

By: Tatisha Maples

Verified May 17, 2026

Super easy transaction

Super easy transaction, just upload your doc and wait for a response. Response is always quick and the payment came super fast. Smooth process!

Insurer: MetLife

By: Karen

Verified May 17, 2026

My claims have been reviewed quickly…

My claims have been reviewed quickly and they have been paid quickly. I am very grateful to have this insurance. Thank you very much.

Insurer: Fetch

By: Dana

Verified May 17, 2026

I was AMAZED

I was AMAZED. I have fortunately not had to use our pet insurance before. I got it when our dog was a puppy and he is 7 years old now. So, needless to say, I did not know what to expect. He recently had a growth pop up on the back of his leg at one of his joints. It required minor surgery and thankfully, the growth was benign. We paid the invoice at the vets office. Once we knew there wouldn't be any additional related invoices, I submitted the paperwork online one evening about 8:30 pm. I had an email from Trupanion around 3:30 am (7 hours'ish later) approving the claim. And the funds were deposited into our account the next day. I can't ask for better or quicker service on our claim. Hopefully, we won't have to submit another for a very long time. But it's good to know that we have a great pet insurance with exceptional service.

Insurer: Trupanion

By: Sharon

Verified May 17, 2026

The ease of filing a claim is amazing!

The ease of filing a claim is amazing!

Insurer: Trupanion

By: LaDonna Howell

May 17, 2026

I’m canceling this

I’m canceling this. Pay and pay and everything is denied evn when there is no preexisting issue. 👎

Insurer: Embrace

By: Daphne

Verified May 17, 2026

Pumpkin is the best insurance company…

Pumpkin is the best insurance company I’ve ever dealt with. The claims process was easy and the reimbursements arrived very quickly. I will recommend Pumpkin to every pet parent I know. The peace of mind I have knowing that cost isn’t a barrier to caring for my cat is worth every penny of premium.

Insurer: Pumpkin

By: Shawna

Verified May 17, 2026

I had a big emergency with my girl

I had a big emergency with my girl, and spot really helped with the financial burden. I don’t regret having them as my insurance, highly recommend!

Insurer: Spot

By: Estephanie Aguilar

Compare top pet insurance providers plans.