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 14, 2026

Easy access to make a claim for my dog!

Easy access to make a claim for my dog!

Insurer: Spot

By: Lynda Overking

Verified May 14, 2026

MetLife has been great to me

MetLife has been great to me. I love the coverage I have and the quick responses I get.

Insurer: MetLife

By: Samantha Williams

May 14, 2026

Read your policy carefully

- Will spam you with 10+ emails if you just want to get a quote. - For dental coverage, they require your dog to get "an annual dental exam and you follow your veterinarian’s recommended dental care". This can cost you another $1000+ per year. - Misleading practices. They technically don't raise plans due to age - they just put your pet in a cohort with other pets in the area who signed up at the same time. Fees go up as the cohort need more medical care ...which coincides with age. - Problematic partnership with VCA and other private equity owned companies. The payment is only instant if you use one of the partnered clinics, and sometimes not even then. - Does not cover routine or emergency examinations, preventatives, or "recovery and complementary care" - Will make every effort to deny claims as "pre existing", but most pet insurance companies do this. If your dog ate a sock ten years ago and just ate another one, it's "pre existing".

Insurer: Trupanion Canada

By: Bella

Verified May 14, 2026

Great Pet Insurance!

I have been a customer for many years. Metlife is extremely responsive and customer service is outstanding. I just added two new dogs to a policy and the process was quick and painless. I highly recommend them!

Insurer: MetLife

By: Kimberly J Bailey

Verified May 14, 2026

It was easy and fast processing claims.

It was easy and fast processing claims.

Insurer: MetLife

By: Deborah Doherty-Bree

May 14, 2026

great insurance for dogs

THey always acknowledge receipt of my claims and reimburse me quickly

Insurer: Pets Best

By: Barbara

Verified May 14, 2026

The process was simple

The process was simple, straightforward, and easy online. The step by step directions told me exactly what I needed to make sure my claim was filed/processed correctly. I was nervous at first, but realized how simple FetchPet made it. I was happy that my dog Woody’s injuries were covered and we are able to focus on his healing rather than how to pay the bills. Thank you so much!!!

Insurer: Fetch

By: Tina Barnett

May 14, 2026

Healthy Paws will find every reason not…

Healthy Paws will find every reason not to pay out on their policy. After being a member for both my dogs for many years, without EVER filing a claim, I finally submitted 3 invoices totaling $921.80 for an incident by one of my dogs. Their payout came to a whopping $49.14 !! Awww the waste of money I was foolish enough to buy into, in hopes for some "financial stability" - God forbid my dogs have an accident. It's a total scam unfortunately. I am embarrassed I bought into it. Be smart, put the same money insurance charges monthly towards a vet bill fund, you will be much better off doing so. Without Fail. I have paid $4800 so far in pet insurance and their payout was $49,14. I am an idiot.

Insurer: Healthy Paws

By: S S

Verified May 14, 2026

Just about every claim accepted!

Just about every claim accepted!

Insurer: MetLife

By: Karin Bristow

May 14, 2026

Horrible

Everything about this company is a lie. I have been paying into a plan for a year and they rejected all of my claims with no basis. No not trust them! I have no way of covering my pets bills and I’ve paid hundred of dollars to them for nothing. Heartless crooks that should be ashamed of themselves.

Insurer: Pumpkin

By: Lo

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