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 09, 2026

Totopo had a mass and Trupanion covered…

Totopo had a mass and Trupanion covered for me, so they help me in my finance so I pay the minimum. I’m very happy having Trupanion. They take care of my baby dog.

Insurer: Trupanion

By: Lizaida

January 09, 2026

Difficult to collect

Very easy to enroll difficult to collect on. In over yrs I had one claim and they kept finding reasons to not pay it. That was until it was time to renew and I received a courtesy call asking if I was going to renew. I explained I was not impressed w their claims department. Then instantly my claim was ‘approved’. Policies also get very expensive as the pet gets older.

Insurer: Embrace

By: W.C.

January 09, 2026

The process was easy

The process was easy. Just upload and submit. Because I didn't opt for vet visits they denied the consultation in the ER which was the vet going over the results from the visit in the emergency center. As part of the appointment it should be covered.

Insurer: Pets Best

By: Tammie

Verified January 09, 2026

Our recent trip to the emergency vet…

Our recent trip to the emergency vet was scary, stressful, and expensive. Thankfully, our 11-year old Bichon was given the excellent care that she required and knowing that we had Healthy Paws insurance for her gave us the reassurance to go ahead with the treatment needed to bring her home. Submitting our receipts couldn't be easier, and our reimbursement arrived within a week of her ordeal. I would recommend Healthy Paws for any pet parent that is looking for peace of mind and the ability to offer quality care for their beloved pet.

Insurer: Healthy Paws

By: Cyndi M.

Verified January 09, 2026

Great Company

Once all your records have been received the online process is so easy and fast. Literally can take less than five minutes to submit, and the turnaround for payment is usually about 3 days. So far I have had a wonderful experience with them.

Insurer: MetLife

By: Fran Z.

Verified January 09, 2026

Simple claims submission!

The claims process is super easy to use. Love the app as well

Insurer: MetLife

By: Kim B

Verified January 09, 2026

I had several issues getting a claim…

I had several issues getting a claim approved

Insurer: MetLife

By: customer

Verified January 09, 2026

Everything was very easy

Everything was very easy. Uploaded claim. Claim was paid within days

Insurer: MetLife

By: customer

January 09, 2026

I was caught in a system update backlog…

I was caught in a system update backlog according to your responses. Understand. The crappy part for me and my pup is that my pup was sick and was improperly given prior to proper age and ability to give certain ones together. This was verified by two DVM's and there is clear medical based evidence of giving shots while nursing. The puppys health guarantee is under review as he was also positive for Giadaria and Cryptosporium. He is an amazing companion and already making his mark with the family. I was not able to have my guarantee honored as I did not provide an EOB as its part of their review, and an EOB wasn't available for the couple week period I could submit it due to your system backlog. Frustrating but Ocean is tearing up everything but his toys and giving lots of love so all is good. Just bad timing on this one for me. And seriously not to be a smart... but while I recieved an update that the backlog was still being addressed my account was charged as normal for all three dogs so that system seems to be working just fine : thats frustrating. But we will stick it out as I want to build a long term relationship with the group that will support my pups most important needs as they grow and age.

Insurer: Pets Best

By: Kevin G.

Verified January 09, 2026

Claims are paid in a timely manner

Claims are paid out in a timely manner

Insurer: MetLife

By: customer

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