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.

60,642 total


Verified March 19, 2026

Amazing customer service

Amazing customer service. Amazing coverage. They deliver what they promise!

Insurer: Pumpkin

By: Maru

Verified March 19, 2026

Easy to file a claim

Easy to file a claim. EOB denying line items clearly explained.

Insurer: Spot

By: MHarvey

Verified March 19, 2026

Simple and Quick Filing

Filing claims is simple and quick on the app. In less than a week they get processed and the reimbursement is received within a few days from when the claim is processed.

Insurer: Spot

By: Crystal Carter

Verified March 19, 2026

You are very quick to process claims!!

You are very quick to process claims!!

Insurer: Spot

By: Sherry Brunner

Verified March 19, 2026

This was my first bill I submitted to…

This was my first bill I submitted to Spot. My dog had major surgery on his head and some teeth extracted at the same time. They covered the entire procedures at 80% minus the copay. I was so glad to have this great insurance.

Insurer: Spot

By: Carolyn Craig

Verified March 19, 2026

Communicating claim issues

When I first submitted my claim the image apparently wasn't clear enough but I was never contacted. I had to reach out because I wasn't seeing it in the claims. It would be helpful to let people know if there is a problem especially since it's submit it and forget until we hear from you.

Insurer: MetLife

By: customer

Verified March 19, 2026

Paid my claim quickly with no issues

Paid my claim quickly with no issues. That was my big concern. The bait and switch. But all went as planned and expected.

Insurer: Spot

By: Dan

March 19, 2026

Awful

Awful. Do not waste your money. Pets best will reclassify your claims under vague categories that do not match what the pet was seen for just so they can argue pre-existing conditions. My veterinarian wrote them a letter supporting my claim appeal, stating he was not seen for any pre-existing condition. They ignored the letter and denied it again. Their phhone lines will leave you on hold for 45 plus minutes and their complaint form is a joke.

Insurer: Pets Best

By: Dylan Moore

Verified March 19, 2026

prompt reimbursement

prompt reimbursement. absolutely grateful that I insured this puppy. She ate a bedspread than had 2 luxating patella's.

Insurer: MetLife

By: customer

Verified March 19, 2026

My Very 1st Claim Experience

My pet’s particular issue was covered under my plan and processing direct between my vet and Trupanion was seamless !

Insurer: Trupanion

By: Jeff

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