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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Unneeded exams
You want me to pay for an unneeded exam within the last 6 months when he only needs an annual exam. That is a waste of my money and the vets time. I guess I will not be getting any pet insurance for my boy until his annual exam is due. I will not recommend this company to anybody.
Insurer: Nationwide
By: Alpine Outfitters
Great and affordable pet Insurance/wellness plans
I am so glad that after searching for the perfect health insurance for almost a year, I came across Prudent Pet and I am very happy with their pricing, their plans, as well as their customer service. As soon as I file a claim, they are responding back with additional information and making this claim process as smooth as possible!
Insurer: Prudent Pet
By: Katherine
I have this policy for my two dogs…
I have this policy for my two dogs since they were puppies for four years. One dog named Finn had a hole in his face in his cheek and we were trying to treat it with antibiotics for over a year finally in September 2025 he had to have surgery because he had an abscess that was from a tooth And two teeth had to be removed and he was given antibiotics and a few other medicines to clear the hole in his face. When I submitted the claim, they said it wasn't covered because it's routine dental work cleaning the teeth. No he didn't have routine dental work. He had a hole in his face from an abscess and the bill was $386.70 and they refused to pay it. I even went back a second time to the vet to have him send the notes besides an itemized bill saying that it was an abscess and what had to be done. They close the case and said it was cosmetic or wellness. No it wasn't so after two months fighting with them back-and-forth. I called again on December 17 and said that I wanted to cancel the policy because they did not pay a $300 claim when I already paid over $5000 in premiums. The man on the phone said that he would have the adjuster whose name was Reagan reach back out to the vet and talk to them and try to get the claim covered. Well, now it's January 7 And nothing was done so today I called and canceled the insurance. I wouldn't recommend them to anybody.
Insurer: Embrace
By: Linda LaRosa Silva
Overview
The process to submit a claim is very easy. What I don’t like is the way MetLife has two pets under the same policy number. This can get confusing when payments are made when multiple claims are submitted on the same day. Also for wellness meds there are no doctors notes to submit when you get your pet’s prescription refilled. Just got two claims kicked back because there wasn’t any doctors notes.
Insurer: MetLife
By: customer
Trupanion Saved My Kitten’s Life
My kitten suddenly developed a urinary tract blockage that became a serious issue that needed a specialist in urinary tract surgery to try to save him. Trupanion covered all they promised to, which was quite a lot. Their reps were there 24/7 reviewing and approving all of the expenses as they get occurred. All of the doctors and emergency centers direct billed Trupanion. And a sweet rep, Becky, even sat on the phone with me in the middle of the night when I thought we’d have to let my kitten die because we couldn’t afford to treat him. Trupanion is wonderful and we highly recommend any pet owner to get Trupanion insurance. I told my children and all of my family members that it was the best thing they could do for their pets. Thank you Trupanion!!!!
Insurer: Trupanion
By: Ann
Metlife was great to have with Harper…
Metlife was great to have with Harper my baby that passed away so we want our new puppies to have the same great coverage.
Insurer: MetLife
By: Kelly everette
Very easy to file claims with online…
Very easy to file claims with online tool. My young tom cat almost died and needed surgery, now recovering but will need medications ongoing. Fetch has covered all so far with many thanks. I'd recommend Fetch and will to anyone considering insurance coverage. The you-file process gives the holder more direct control of the claims process, much better system than having your vet do it.
Insurer: Fetch Canada
By: frank burns
Outstanding service
Our pet, Charli, suffered a ruptured disc in her back about 7 months ago. Following surgery, we filed a claim with Healthy Paws for the procedure and all that was involved with that, including follow up physical therapy. Healthy Paws was fast and fair in their evaluation of our claims and we were reimbursed in a very timely manner. Since then, Charli, has suffered what appears to be a auto-immune disease. The doctor is still conducted tests and evaluations attempting to pinpoint exactly what Charli is suffering from. Again, we filed claims (and still are as the treatment is ongoing) with Healthy Paws. Again, Healthy Paws was fast and fair in their evaluation of our claims and we were reimbursed in a very timely manner. I only wish other insurance companies I have dealt with were as fast, fair, and proficient as Healthy Paws.
Insurer: Healthy Paws
By: SAC
Not complicated to submit claim and…
Not complicated to submit claim and rapid direct deposit claim.
Insurer: Spot
By: Art Jones
Spot pet insurance has been great
Spot pet insurance has been great. We placed Bella on the plan when she was a puppy and did not have to use it for 4.5 years. However when we needed the insurance Spot picked up their part of the tab. Thank you Spot.
Insurer: Spot
By: Eric Schrowang