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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Great customer service always willing…
Great customer service always willing to help and great coverage!
Insurer: Nationwide
By: customer
Million dollar rescue dogs
Smith is my 3rd rescue, first to be insured. I did the math after my first passed away, over $10,000 in med emergency bills over 10yrs, and I'm not counting her sis that's still with me. Getting insurance for #3 was a no brainer. Injuries for him just started at 6, double knee surgery and a neck injury, and having Pets Best at my side has made these decisions quick and painless. Depending on how you set up your coverage and deductable is up to you. What can you afford? I easily upload my bills into the app and I not only receive notifications but emails as well. The team responds quickly when I have a question and your claim reimbursement is explained so you can understand it. It's been the best decision I've made. I truly feel some coverage is better than none, because you never know when an injury will happen, esp.in a multiple dog household. Rescue #4 was insured the day I picked her up.
Longtime Client …
Process for submitting claims have been streamlined which has been a big help. Staff is always knowledgeable and helpful. Coverage is very good.
Insurer: Trupanion
By: Karen W
The claim process is easy and refunds…
The claim process is easy and refunds are on time. No issues at all so far for the past 3 years. Very satisfied
Insurer: MetLife
By: Cathy
Easy claim submission process
Easy claim submission process. Quick reimbursement. Overall a great experience.
Insurer: MetLife
By: customer
Coverage Cut Because of Age
I enrolled my Boston Terrier with Healthy Paws in 2019 and was a loyal customer for 7 years, paying premiums faithfully with a 90% reimbursement rate and $250 deductible; the coverage I was sold on at enrollment. At my dogs 2026 renewal, Healthy Paws informed me that my coverage was being unilaterally downgraded to 70% reimbursement and a $500 deductible. No negotiation, no exceptions, no alternatives. On a significant claim, that difference exceeds $1,000 out of pocket. When I disputed this, their customer service responded in writing with two reasons: my dogs age (7) and the ‘long-term sustainability of their program.’ Not my claims history. Not my payment record. His age and their bottom line. This is coercion by design. They advertise lifetime coverage and no caps on claims but what they don’t tell you at enrollment is that your reimbursement rate and deductible will be systematically reduced as your pet ages (in my dogs case 7yrs), precisely when pre-existing conditions develop and switching insurers becomes impossible. That is deceptive advertising. By the time your pet needs care, you have nowhere to go and no leverage. You are not a customer, you are trapped. The point of pet insurance is to have coverage when your pet needs it most, which is when they get older. Healthy Paws reduces your coverage exactly at that point, and they will tell you so in writing. Do not enroll your pet with them, or you risk paying years of premiums only to find your coverage reduced precisely when your pet needs it most, which is the entire reason you signed up for insurance in the first place.
Insurer: Healthy Paws
By: Lauren P.
I submitted our info and received…
I submitted our info and received verification really quickly. Also got notification of payout very promptly. Thank you
Insurer: Spot
By: Nancy Mack
Easy to use app and quick reviews of…
Easy to use app and quick reviews of claims.
Insurer: MetLife
By: customer
Extremely Slow Claims Processing
I've had Pumpkin for just shy of a year. My rescue dog is ~2 years old. Prior to filing a single claim, I received advanced notice that Pumpkin intends to raise my rate by over $20/mo. for the upcoming year (for the same exact care). My dog subsequently had an accident that required vet care and a follow-up procedure. I submitted a detailed invoice and veterinary records. It took Pumpkin nearly a month to review and approve my claim, during which time I had to follow-up multiple times, as my claim kept getting lost/stuck in their system. I then sent Pumpkin the itemized receipt for the follow-up procedure they already reviewed and approved (which came in under the approved estimate). At the time of this writing, a week has passed without my claim being reviewed or processed. When I followed up just now, I was told that processing times could take up to three weeks--for a an estimate that was already reviewed and approved. I'm glad to see that so many other pet parents on Trust Pilot appear to have had great experiences with Pumpkin, but I have huge buyer's remorse and wish I'd gone with virtually any of their competitors.
Insurer: Pumpkin
By: Aaron E
Very fast claim processing
My dog had 3 different vet visits in 3 days. He was hospitalized after the 2nd. Claims were paid within a week and EOBs were accurate and easy to understand. Very pleased with quick turnaround,