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.

58,154 total


Verified January 10, 2026

Satisfied

I appreciate the updates on the process. I had to speak with an agent regarding my submission, the agent was patient and knowledgeable.

Insurer: MetLife

By: customer

January 10, 2026

Excellent Service!

Pets Best helped me through a difficult time when my kitty was diagnosed with FIP. They processed claims promptly and reimbursed me for 90% of $10K in vet costs for treatment. I am grateful to them for helping me and Pacino who is now cured!

Insurer: Pets Best

Veterinarian: VCA Animal Hospitals

By: Debbie

Useful
Verified January 10, 2026

MetLife equals happy healthy pets

MetLife has always been a great help when I need them, whether it’s updating my information or submitting claims. They’re always ready to provide excellent service. MetLife offers a range of options, including preventive care and dental. MetLife has given me peace of mind, and I’m confident that they’ll be there to help if anything happens to my dogs.

Insurer: MetLife

By: customer

Verified January 10, 2026

Quick response

Quick response, ease of filing, quick payoff.

Insurer: MetLife

By: customer

Verified January 10, 2026

With having a sick pet you have enough…

With having a sick pet you have enough to worry about to get your “fur baby” well and the correct care. It’s a comfort to know that Trupanion is there for you and helps take more stress off when they are able to pay your coverages portion before you check out if your veterinarian has them set up for direct pay. I’ve been with Trupanion since 2008 and will be with them many more! I can’t say enough great things about everything they have done for me and my pets when I needed to take them to the vet and thanks to them have added quality years to their life with me. Thanks.

Insurer: Trupanion

By: Linda

January 10, 2026

Only the best for our furbaby

We have used Trupanion since our pup was a baby, and we’re very pleased with their responsiveness in paying claims and with customer support. We highly recommend Trupanion.

Insurer: Trupanion

By: Consumer

January 10, 2026

Terrible Coverage Near Quadrupling of Premiums

I've used them for my Welsh Springer Spaniel for years. When they denied my first claims more than 2 years ago, it was suspicious but I let it slide. Now I've been paying premiums every month, easy to forget on autopay, and in the last few months they nearly QUADRUPLED the premiums with minimal notice and no real explanation. Last straw was rejecting 3 out of 4 of my latest claims because they were just past an arbitrary 60 day time limit for filing. I would have been better off self-insuring for all the premiums I've paid. Don't do it.

Insurer: Embrace

By: Bruce Gilbert

Verified January 10, 2026

Very easy

Very easy, Trupanion and vet did all the work!

Insurer: Trupanion

By: John

Verified January 10, 2026

Spot is the best

After owning several dogs and never having insurance, we decided that we would get it with our new mini dachshund seeing as we paid $$$ for our last ones ivdd back surgery. Spot is one of the few if not only insurance that covers genetic disorders. Thankfully we got insurance bc at 1.5 years old our Piper has gotten into more trouble than all my other dogs combined. Spot has given us the biggest peace of mind. We will never not have insurance, we will never not have spot.

Insurer: Spot

By: Piper’s Mom

Verified January 10, 2026

Great customer service and courteous…

Great customer service and courteous friendly staff. They answered all my questions and concerns. They are prompt with claims and explaining benefits and payments.

Insurer: MetLife

By: Vicki Jones

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