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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Could not be any easier to submit a…
Could not be any easier to submit a claim and receive payment. Very efficient and user friendly!
Insurer: MetLife
By: Sophie
Fair and prompt payment of claims.
Fair and prompt payment of claims.
Insurer: MetLife
By: Dan S
Our experience with the claim was…excellent
Our experience with the claim was excellent. We were kept up to date on the process from start to finish. Thank you
Insurer: Fetch
By: Norman Brockus
I was extremely amazed how easy and…
I was extremely amazed how easy and quick it was to process the claim and to received the refund within a few days - already telling anyone I know if they don’t have insurance they should get spot
Insurer: Spot
By: Oscar De La Rosa
Claim was quick
Claim was quick. Only complaint is high monthly insurance premiums.
Insurer: Trupanion
By: Judy
Peace of mind to make the right decision for my pet
Trupanion worked directly with the vet hospital. I knew exactly what I was facing financially at a time where I was 100% focused on getting Gracie exactly the help she needed. They paid the hospital directly. Better than my own insurance! Great service. Fast payment on my claim.
Insurer: Trupanion
By: Natalie Shelpuk
I’m very displeased and thinking about…
I’m very displeased and thinking about cancelling. I pay over $600 a month and you are not covering anything
Insurer: Trupanion
By: Gloria
GO ELSEWHERE!!!
HORRIBLE...good luck on getting your claims paid. My extremely healthy 4-year-old boxer was SEVERELY lethargic, so, I took him to the Urgent Vet for Pet clinic (open and close to my home), because his lethargy was FAR from normal The Vet wanted to rule-out dehydration, possible reaction to Simparica Trio (which he's been on for years and had no issue), or potential cardiac issue. They concurred his lethargy was abnormal for a dog, and took chest x-rays, labs and followed up with 500ml IV fluid, Dexamethasone and Zofran. He was better within minutes of walking out of the clinic that I had to carry him into and acting about 80% normal, but still not quite himself. I followed up with his Vet the next day and they gave him another 500ml of IV fluid. He was back to himself the following day. I am now having to fight the claims adjuster to be properly compensated. Once through this debacle, I'll be switching to Spot, or Embrace (FORBES Top 2). Pre and post pics below. Good luck, Ken Adding to this. They talked me into staying...BIG MISTAKE!!! Moab was being worked up for cardiomyopathy (ARVC, which is unfortunately common in Boxers). Pumpkin denied the claim ($1,300) citing 'pre-existing' condition. I e-mailed them on 11 APR 2026 asking to explain the 'pre-existing' condition and today, 11 days later, nothing. Save yourself time and just put aside money ($100-$200/month) and handle this yourself as Pumpkin is obviously only out for the money and doesn't truly care about the consumer. I'm filing a complaint with the BBB, Writing the Depart of Insurance (NY, VA, and NC), and contacting the underwriters directly (IAIC, and USFIC). E-Mail I sent on 02MAY2026: Cancel my policy immediately!!! No pre-existing condition existed You couldn't even reply to my e-mail asking to explain why you declined to pay for his cardiac work-up or cite what pre-existing condition existed E-mail sent 11 days ago (11 APR 2026) asking for an explanation and unprofessionally no one replied As one who takes services I pay for very seriously, I am: Providing an honest Google review Filing a complaint with the BBB Writing the Depart of Insurance (NY, VA, and NC) Contacting the underwriters directly (IAIC, and USFIC) Regards, Ken
Insurer: Pumpkin
By: Ken
All pet owners should have a policy.
As customer for many years, I cannot recommend Healthy Paws insurance strongly enough. One of the worst situations imaginable for a pet owner is having to do the math to decide whether it’s “worth it” to get the medical care their pet needs and deserves - be it a hospital stay or a lifesaving procedure - or even just outpatient surgery to majorly improve their quality of life. It’s an awful feeling and I urge everyone to have an insurance policy on their pets so they never have to endure it. Healthy Paws has allowed me to make sure my buddy always gets the care he needs without hesitation - and claims have always been paid very rapidly with minimum fuss.
Insurer: Healthy Paws
By: Brian M.
MetLife we will always Have
Metlife has been great. a little hiccup on our end of not providing the "new" name for the pup we rescued, but, they were amazing to work with and even processed the old pending claims that had been pending due to the name change. Customer service each time I have called, has been immensely wonderful.
Insurer: MetLife
By: customer