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.

60,921 total


Verified March 13, 2026

Quick response

Quick response, fair payments

Insurer: Trupanion

By: Sharon

Verified March 13, 2026

Pre approval

Pre approval, coordination with vet so they pay you and I don't have to submit receipts for reimbursement Coverage allows me to afford care for my dog. I couldn't otherwise. You are helping me save her life

Insurer: Trupanion

By: Barb

Verified March 13, 2026

Extremely efficient

Extremely efficient. I had submitted for pre approval an estimate for dental cleaning. Then when the cleaning was done and she was under anesthetic they found large tumor which was also removed. When I submitted the final bill with the extra charge, it was so great that you didn’t argue about the tumor removal. Pumpkin actually recorded, approved, and reimbursed me within an hour of submission of claim. Was amazing and impressive. I had used pumpkin for a claim maybe 4 yrs ago and I don’t know if Pumpkin has become more efficient or since I had also switched vets, my new vets office provides better invoices but this time was a 10 star experience. Thank you

Insurer: Pumpkin

By: Cynthia

Verified March 13, 2026

Not Paying for Office Visit in the case of an emergency

While I understand that Trupanion does not pay for the actual office visit, not paying for one in an emergency is unacceptable. What is the point of having the insurance if it does not cover emergency care? When you have a pet and you want pet insurance, there are a lot of options. I chose Trupanion because of the coverage. I used in when my other cat was ill and his visits were covered. Your coverage has changed and I find it difficult especially when rates have more than doubled in the last few years, with less coverage. My personal health insurance is less with better coverage than you offer for a cat. Unfortunately, I am stuck with this as he now has an existing condition.

Insurer: Trupanion

By: Robyn

Verified March 13, 2026

Springer sustained a spinal injury

Springer sustained a spinal injury. Had to make three visits to the neurologist for a consult, MRI/CT, and back surgery. Total cost out of pocket was over $9k. We were reimbursed almost immediately from pumpkin for a total of $7200. I was amazed by the speed of the approval. The insurance piece of mind was worth its weight in gold.

Insurer: Pumpkin

By: Tom

March 13, 2026

Daily Meds

Our girls are on daily medication, one for allergies and the other for pain & joint issues after amputation. Pets Best is great at getting out claims through without drama

Insurer: Pets Best

Veterinarian: East Longmeadow Animal Hospital

By: Jodi

Useful
Verified March 13, 2026

Great service

I uploaded the documents and they did the paperwork and then I got paid.

Insurer: Spot

By: Soltic II

Verified March 13, 2026

Super easy to file a claim using the…

Super easy to file a claim using the app.

Insurer: Fetch

By: Chad h

Verified March 13, 2026

It was very easy to file my claim

It was very easy to file my claim. I am very happy with how quickly it was processed. I recommend Spot to my friends and family.

Insurer: Spot

By: Marcy Thomas

Verified March 13, 2026

Not complicated

Not complicated. Straight forward.

Insurer: MetLife

By: carlos gonzalez

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