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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Our dog had to have expensive surgery…
Our dog had to have expensive surgery and it was nice to have insurance that covered a portion of that.
Insurer: Spot
By: Rebecca Boudes
Very efficient claims process
Very efficient claims process
Insurer: Trupanion
By: DeDe
We have used Trurpanion for years and…
We have used Trurpanion for years and for the most part had great experience. I recently got a new puppy in August of 25 and immediately put insurance on her because we had high hopes of a great show dog which she is not let us down on! But, my puppy got sick in January of 2026 and her illness has been a huge expense and fortunately, once her deductible was met, Trurpanion started making payments to me. I'm grateful that she had pet insurance and she is now established for her illness which means Trurpanion who cover her for life is it occurs in the future.
Insurer: Trupanion
By: Desert Skies Kennel
Claims were completed within days of…
Claims were completed within days of submitting them . Also very easy to submit .
Insurer: Spot
By: Christine Jasper
Highly recommended!!
We have two dachshunds and their breed is prone to all sorts of back troubles. We have had it since our older boy was just a baby and never had to use it until this weekend. Our vet team was able to put our claim through the Trupanion system in front of us before we left the clinic. Our sweet boy did end up needing an MRI and surgery. Up front, our costs had many zeros following but with this insurance, we only had to pay a small portion that we already knew was not covered (such as the emergency costs of walking in the door). We really like that the vet team is able to get confirmation of what insurance pays and what we pay right up front, rather than us having to pay all up front and submit a claim later. I have highly recommended Trupanion to many people after seeing how easy this process was. Our little guy is now home recovering and we are just so thankful we opted for insurance all those years ago!
Insurer: Trupanion Canada
By: Cheyenne
Smooth Claims Process, but Watch the Deductible
Submitting our claim for our dog’s porcupine‑quill incident was very easy, and Fetch kept us updated with frequent notifications. The refund arrived in a reasonable timeframe, which was great! One thing to note: our dog needed follow‑up visits, and because the timing crossed our annual renewal date, we had to pay the $300 deductible TWICE for what was essentially the same incident. This was our only claim in the six years of our dog's life, so it was an unexpected surprise. Overall, the process was smooth, but I’d encourage new customers to double‑check whether their policy uses an "annual" or "per‑incident" deductible so there are no surprises.
Insurer: Fetch Canada
By: Sonja Guderjan
My claim was processed and paid within…
My claim was processed and paid within one-week.
Insurer: MetLife
By: J Smith
I sent in a claim for an office visit
I sent in a claim for an office visit, medication, and prescription dog food. I had my reimbursement within 3 days directly deposited in my bank. Doesn't get much better than that!
Insurer: MetLife
By: Johanna
Slow processing
In the past, claims I have initiated were processed very quickly. This one took nearly a month to process and I still haven’t received the funds before the bill is due.
Insurer: Pets Best
By: Renee Jones
I got all the information to them
I got all the information to them. Everything was exactly the way it was supposed to be between seven and 10 days and I didn’t have to worry about what they were gonna pay for what they weren’t. It’s all you can ask from an insurance company.
Insurer: MetLife
By: CIcustomer