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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Honestly
Honestly, I have been SO happy with MetLife pet insurance. Reasonable premiums, easy claims, excellent coverage options, and super fast payouts. I've never had to appeal any decisions or fight for what I was paying for. They straight up just do what they say they're going to do and pay what they promise when you sign up. Hopefully I'll be with them for a long time.
Insurer: MetLife
By: David Logan
Itchy Dog
Our boxer boy has severe allergies. He eats prescription food, takes a daily immuno serum for his allergies and he get a monthly cytopoint shot to help with his itching. Fortunately he is a better position than when this all started. When ever a claim is submitted Pet's Best is always quick to process and reimburse. I have had Pet's Best since he was a puppy. Our boy is now 4 years old! I am thankful everyday that we chose Pet's Best! I highly recommend them!
Insurer: Pets Best
By: Ann
Peace of Mind for Good Vet Care
I have two large, active dogs on Trupanion and wouldn't change that for anything. Having peace of mind that I can provide care and support for my dogs as well as quick payment for my vet team is everything. The only issue we had was not being covered for a bag of gastro dog food my vet prescribed for because of a minor technicality. Everything else has gone so smoothly though and we love Trupanion.
Insurer: Trupanion Canada
By: Hailey McWilliam
Horrible experience with my claims
I started with this insurance June 2025. I've submitted two claims, nothing has been covered and I provided ASPCA with copies of all the history of my dog from the last 2 years at their request. I submitted dog history from the vet twice; October and again in November. They indicated on my login tonight I didn't povide the proper documenrtation. It's been 3 months and I've heard nothing. No email, nothing. I do n ot recommend this pet insurance; my last insurance covered within 2 weeks, were great with response. Unfortunately, they are not supporting my state any longer. I was forced to find new pet insurance and after research chose ASPCA. They have terrible response time, no calling, no email within a reasonable time period.
Insurer: ASPCA
By: Kathy Sutton
their coverage is far more limited than what many other pet insurance companies include as standard
My experience with Figo has been consistently disappointing, mainly because their coverage is far more limited than what many other pet insurance companies include as standard. Important items that should be basic — like euthanasia coverage and after‑care/disposal fees — are not included unless you pay extra for multiple riders. It feels less like comprehensive insurance and more like a base plan with a long list of upsells. Another major issue is how Figo handles emergency vet visits. They do not automatically cover emergency exams unless the veterinarian is willing to certify that the situation was “life‑threatening.” The problem is obvious: you don’t know whether something is life‑threatening until the vet actually evaluates your pet. This puts pet owners in an impossible position during stressful moments, and it’s not a requirement I’ve seen with other insurers. Figo insists that all of this is “clearly explained,” but in reality, the only place these limitations are spelled out is deep inside the policy documents. Their coverage summaries and marketing materials are written to sell the policy, not to help you understand what’s actually included. You have to dig through pages of fine print to discover what’s not covered — and there’s a lot that isn’t. Overall, Figo feels more like a sales funnel than a transparent insurance provider. If you’re looking for straightforward, comprehensive coverage without hidden exclusions or required riders for basic protections, I would strongly recommend looking at other companies first.
Insurer: Figo
By: Rich Johnson
My claim was done in record time
My claim was done in record time I still thought I got more of a reimbursement
Insurer: Fetch
By: Kathleen
Easy to use app
Easy to use app, with clear coverage details. Claims were handled quickly. I am so glad I chose to insure my dog baby with Spot!
Insurer: Spot
By: Nicole
Claims paid promptly!
Our claims were reviewed, approved, and paid in under a week.
Insurer: ASPCA
By: Valerie G
Great coverage
Very quick on processing claims and getting your money . Highly recommend
Insurer: MetLife
By: JT