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 04, 2026

Don't use this service if you love your pet

I filed a claim when my cat was sick. Vomiting was a symptom. Since she vomited once in her life before, they wouldn't cover her emergency visit. I wasn't given a diagnosis by my vet or the emergency vet, but fetch pet made one for her and denied the claim. Do not use this service if you can just pay out of pocket. Especially, because they only reimburse you. Fetch Pet family my behind.

Insurer: Fetch

By: Brandi Trapp

Verified May 04, 2026

Documentation request was clear and…

Documentation request was clear and claim process was done in a reasonable time

Insurer: Fetch

By: J.C.

May 04, 2026

I spoke to Eileen on the phone to…

I spoke to Eileen on the phone to answer some questions I had and she answered them thoroughly. She took the time to explain the insurance coverage to help me make the best choices for my pets needs, She was very helpful.

Insurer: Fetch

By: Jack Eller

Verified May 04, 2026

Although I initially found it difficult…

Although I initially found it difficult to navigate the website for posting the documents related to my claim, I was delighted that it was evaluated and settled so quickly.

Insurer: MetLife

By: Lawrence Baron

Verified May 04, 2026

Quick response on claim…

Easy and quick process for filing my claim. Payment was quick. Took my cat to vet and within 10 days received reimbursement.

Insurer: MetLife

By: K Brock

Verified May 04, 2026

Great coverage and responsiveness

We joined Pumpkin when my dog was already 10 years old. I had concerns that her medical history might prove problematic, but they signed us on with no trouble and the coverage they gave us was excellent. The team at pumpkin were always responsive and relatively fast at processing claims - especially once a precedent for a particular issue had been established. We lost our dog recently, but I’d use Pumpkin again if we ever have another dog.

Insurer: Pumpkin

By: Dan

Verified May 04, 2026

Blue's eye surgery.…

I had to take my dog Blue to eye surgery because she had a "Deep corneal ulcer to the rt eye. The surgical team got in touch with Trupanion and filed the needed forms. Trupanion gave approval immediately. Blue was scheduled the next day. I only had to put down a deposit. Blue had successful surgery and we took her home later the same day. she has a follow up appointment a week later. Complete recovery about three weeks. Without Trupanion insurance I would have spent $5000 and $8000 dollars. I am very thankful for the coverage i got for Blue's operation.

Insurer: Trupanion

By: Daniel Winn

May 04, 2026

Awesome Pet Insurance

I’ve been with several pet insurance companies over the years and Embrace is by far the best and has continually exceeded my . They cover what should be covered and amazingly quickly. I’ve been totally impressed. I’d give them 10 stars if I could.

Insurer: Embrace

By: Howard Bernstein

Verified May 04, 2026

The claim process was fast and easy.

The claim process was fast and easy.

Insurer: MetLife

By: customer

May 04, 2026

I cannot recommend Trupanion enough.

I cannot recommend Trupanion enough. We had insurance for our dog Blueberry and when we got our kitten Huckleberry, we went back and forth on whether to add him. We decided to. I'm so glad we did. Huckleberry ended up being diagnosed with a neurodegenerative disease. The kind of medical journey that follows a diagnosis like that is expensive, emotionally exhausting, and overwhelming. Trupanion took the financial piece completely off the table. They worked directly with our vets -- we weren't paying out of pocket and waiting to be reimbursed, it was handled. We got to focus entirely on trying to find answers and giving him the best chance. We lost him. But we got to try everything, and we didn't have to compromise because of money. That matters so much. The customer service deserves its own mention. Every single person I spoke with felt like they genuinely cared. Not in a scripted way -- in a real way. That kind of consistency doesn't happen by accident. If you're on the fence about insuring a young, healthy pet: just do it. You don't know what's coming. Trupanion made sure that when the worst happened, money wasn't part of the equation.

Insurer: Trupanion Canada

By: Kaiya Sjoholm

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