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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Did not disclose exam requirement!
Nowhere during the process of selecting coverage did it mention I would need a medical exam performed on my dog. Exams aren't free. You require I pay for an exam that amounts to several months of insurance. I am not doing that. My dog is young and healthy, so I was on fence about getting any insurance at all. This requirement just made the decision easy not to.
Insurer: Nationwide
By: customer
Thank you Healthy Paws
Tremendous service and ease of use. Strong coverage. Easy to submit claims. Quick reimbursement. More years with my best friend.
Insurer: Healthy Paws
By: Jay Holladay
Ease of applying and everything was…
Ease of applying and everything was very clear.
Insurer: Nationwide
By: customer
BEWARE. Sold our policy after filing a large claim
We had Many Pets for a few years and when we were filing a few small claims they were amazing. Until our dog had to have a pacemaker placed and we submitted a large claim. They sold our policy the next renewal to Odie Pet Insurance. Although they won't admit that is why. But it you read the reviews for Odie you will see this seems to be a common practice. Puts pet owners in a horrible position as they have no choice to shop around once a pre existing condition is in the picture. I wish all the policy holders that had their policy sold to Odie like me, would have reviewed Many Pets as well. Whether they ceased operations or not in the US. It drastically impacted its policy holders selling the policy's to such a horrible company. Forcing those of us with preexisting conditions no choice but to stay. Do not use Many Pets
Insurer: ManyPets
By: Valerie A
Had a great experience with filing our…
Had a great experience with filing our first claim on having to get eye surgery done on our dog. Th claim was approved and paid out within 48 hours. Amazing experience. Thank you for making it easy while we are upset about having to get the surgery.
Insurer: Trupanion
By: Robert
I am so disappointed with MetLife
I am so disappointed with MetLife. Initially, I thought they were great and that they process claims in a timely manner. When I spoke w/ someone at Customer Experience, I was GIVEN THE WRONG INFORMATION concerning their appeal process. My cat is blind and does have anxiety, so they denied sedation when she had multiple invasive lab work done. I was told that I DID NOT need the vet's signature just for me to sign their appeal form. I followed the instructions given by the MetLife employee (who should have known better than to give me wrong information). The vet had taken so long giving me SOAP notes and she did the same when I sought clarification for the MetLife Appeals dept. After speaking w another agent, I told her that I would contact and obtain the clarification from the vet, which I did. She knew that and so did the Appeals dept. The Appeals dept. rendered a decision BEFORE I got the clarification/amendment from the vet denying my appeal. THE VET AGREED THAT THE LAB WORK WAS INVASIVE and that she suggests sedation even if an animal does not have pre-ex anxiety but shows signs of fear/aggression while she engaged in the invasive lab work. I emailed the clarification/amendment to a supervisor at MetLife last week and I am yet to hear back. I did not imagine that the Appeals dept. would not even consider the fact that one of their AGENTS gave me the wrong information and they did failed to wait for the clarification. Now, they are telling me that I have until early Feb. 2026 to get clarification/amendment that I HAVE TO PAY FOR in order for them to reconsider. I should not have to pay! They rendered that decision without waiting even though I consistently contacted them and spoke w/ their supervisor numerous times. This was not right, and they need to do better as to pet parents.
Insurer: MetLife
By: Yasmin habibti
Great outcomes!
I have had Pets Best with Accident/Illness and Wellness coverage for 3 years now. Up until Dec 2025, I had only filed Wellness claims which were satisfactorily paid each time. In Dec 2025, my dog suffered a bad back injury that required an ER visit and then to a neurology specialty clinic. After an MRI, no surgery was required, but 1 month strict lockdown. I filed 2 claims right away, and while it took a full month for the claims to be processed, I was paid exactly as expected (90% minus deductible). My dog is recovering well, and I'm grateful to Pets Best for taking good care of our claims.
Insurer: Pets Best
By: Mark W
Quick and Easy submission
It was so easy to submit the vet's invoice and a very quick payment as well.
Insurer: MetLife
By: Lantieka
I sent in a claim
I sent in claim. I was notified of missing info in atimely manner. I responded and now I am waiting for my approved coverage. My only improvement i can see would be a chat line to be able to ask specific questions. Like for example "is a Rabies shot covered under my plan."
Insurer: Fetch
By: Dawn Miller
Waiting Periods Left Us With No Coverage When We Needed It Most
We originally took our 7-week-old puppy to the vet for shaking eyes and instability. The night before, my young daughter had accidentally dropped him about 18 inches while taking him outside to go potty. Our initial assumption was a concussion, and the veterinarian agreed at that first visit. I submitted the invoice to Trupanion and was told they were waiting on the doctor’s notes. A week later, we returned to the vet because our puppy had developed a head tilt. The vet believed this was related to a vestibular injury and prescribed prednisone. On our next visit (1/19/26), the vet noticed our puppy’s belly was swollen, which we initially assumed was a side effect of the prednisone. Unfortunately, the vet immediately recognized this as liver failure caused by a congenital portosystemic shunt. Our puppy’s abdomen had filled with nearly three pounds of fluid. The vet explained that we could pursue a specialist, but anesthesia would be extremely risky, and there was no guarantee of a good quality of life. We were faced with the heartbreaking decision to put our 10-week-old puppy down. We filed a claim with Trupanion, and within hours they denied coverage, stating that illnesses are not covered within the first 30–31 days of the policy. What makes this especially frustrating is that the first three visits were believed by both us and the veterinarian to be accident-related, not illness. Each visit simply showed a progression of symptoms that ultimately revealed a congenital condition. Despite this, all claims were denied. After our puppy had passed, one Trupanion representative finally informed us that we could have taken our puppy for an initial exam that Trupanion approves. Had the vet determined he was healthy at that time, the 30-day illness waiting period might have been waived. This would have been incredibly important information to know before purchasing the policy and paying over $1,200 in vet bills with no assistance. I am writing this with a heavy heart and a great deal of pain. While I understand insurance policies have rules, the lack of clarity around waiting periods and how claims are categorized felt misleading and deeply disappointing during an already devastating experience. I strongly encourage anyone considering pet insurance to do thorough research and ask far more questions than I did—especially about waiting periods for accidents versus illnesses in puppies. At this time, I would not recommend Trupanion to new puppy owners due to how their 5-day and 30-day waiting periods are applied. I trusted the recommendation from my State Farm agent, but this experience has reinforced how difficult insurance—both human and animal—has become in the U.S. healthcare system.
Insurer: Trupanion
By: Teddy Smith