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


May 14, 2026

Anything to short pay claims

I have 2 dogs. The policy price increased drastically from last year, now they are only paying for half of the anestesia charges "because the teeth were cleaned at the same time". The anestesia was to remove possibly cancerous growth. The vet decided to do a dental at the same time. Now the insurance is denying payment of the full claim. This is totally unethical behavior and I will be dropping them soon.

Insurer: Trupanion

By: R.Palermo

Verified May 14, 2026

Horrible coverage

we have insured our dog since he was a puppy 12 years ago. We had one very small claim over the years. Recently he was showing signs of leg weakness, had him evaluated and treated. Apparently the physical exam is not covered. How do you get a treatment plan without a physical exam? It is absolute insanity. All the money we have paid, and it’s the worst insurance ever. We will be heading to FETCH shame on your company

Insurer: Trupanion

By: martin alexander

Verified May 14, 2026

Process is easy and fast as is the…

Process is easy and fast as is the reimbursement.

Insurer: Spot

By: Bob Moskos

Verified May 14, 2026

Real easy to file a claim and upload my…

Real easy to file a claim and upload my receipt. You acknowledged receipt and got back to me about my claim in a day. Really good insurance company.

Insurer: Pumpkin

By: Kay Chamber-Dapprich

May 14, 2026

Worth it!!

We have had this insurance since we rescued our pup. It is very easy to file claims on your phone and to keep track of their status. They communicate quickly when more info is needed and process claims quickly. For us it has been absolutely worth it to get this insurance, highly recommend!

Insurer: Pets Best

By: Fran Reynolds

Verified May 14, 2026

Reliable Pet Insurance!

Upon submitting my pet's claim of an invoice and soap notes needed after a spaying surgery, my 80% reinbursment was sent to me within days! I am so far pleased with the timely manner things like that are handled.

Insurer: MetLife

By: Kaylee G.

Verified May 14, 2026

Quick turnaround on claims.

Quick turnaround on claims.

Insurer: MetLife

By: Adrienne N.

Verified May 14, 2026

Friendly, claims reviewed and paid in…

Friendly, claims reviewed and paid in a timely manner.

Insurer: MetLife

By: Melissa M

Verified May 14, 2026

Very quick and easy

Very quick and easy to do a claim

Insurer: Spot

By: Kim S.

Verified May 14, 2026

Quick Response and Payment

I sent all documents as requested and received a response and payment within 7-10 days.

Insurer: MetLife

By: C. Andrews

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