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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Great coverage
Our dog ate grapes, and the urgent care vet recommended hospitalization for 48 hours to monitor kidney function after inducing vomiting. Pets Best was great about paying out our claim appropriately, funds were received directly to my bank account without issue.
Insurer: Pets Best
By: Katlin Sikes
Very clear coverage options and great…
Very clear coverage options and great customer service
Insurer: Nationwide
By: customer
Richard took care of all of my questions
Richard took care of all of my questions and gave me other options on coverage which we decided on.
Insurer: Nationwide
By: Doug
Easy to submit claims and quick turn…
Easy to submit claims and quick turn around time
Insurer: MetLife
By: Anonymous
Comprehensive & dependable coverage
I have insured my pets with Pets Best for several years. Their comprehensive coverage gives me comfort that I am always able to provide the best possible care for my pets, without making cost a part of that decision. They have supported my cat through a cancer diagnosis, my greyhound through chronic urinary tract issues, and my oldest greyhound with GOLPP. At every step, Pets Best could be counted on to provide coverage and I could rest knowing that once my deductible and out of pocket was covered, they would cover the balance. In addition to covering exam costs, lab test, diagnostic testing and of course treatment, the actual cost of their policy is also reasonable for the broad coverage they provide. Thank you Pets Best!
Insurer: Pets Best
By: Helga Gruss
very fast reimbursement processing
very fast reimbursement processing
Insurer: Pumpkin
By: Johanna Lyudmirsky
Paying another deductible for the same condition
I must say that Trupanion is quick to pay out claims BUT they somehow overlook the same medical conditions that has met the deductible from previous claims. And this results into being made to pay the deductible twice. My cat has a heart murmur so his Vet included a proBNP test when they did his bloodwork on June 2023 and this test came back positive. An Echocardiogram was eventually done and this showed early stage of Cardiomyopathy. Then on Feb 2026 I took my cat to a different Vet for dental cleaning but because of his heart murmur, they had to do another proBNP test that came back way over the normal value. An Echocardiogram was done again which showed a progression of his Cardiomyopathy. When I submitted a claim to Trupanion, I was made to pay another deductible of $250 because they said it’s another medical condition. I don’t understand why they keep saying that my first claim in June 2023 with the Echocardiogram was because of an eye problem and therefore completely different from the Feb 2026 claim. What kind of Vet would order an Echocardiogram for an eye condition? The fact that I’m paying $98 a month insurance for 1 cat, it’s just fair to ask Trupanion to get competent and knowledgeable underwriters to review claims so as not to cause further trauma and frustration to their clients.
Insurer: Trupanion
By: MB
Your system is beyond confusing and…
Your system is beyond confusing and provides no direction on how to move a claim forward. This last claim you told me information is missing and then proceeded to process it anyway. No one reaches out to you on the information missing from the claim either. As pet owners, my focus is getting my pet back to normal, not chasing down information for a claim when I already provide you with the documents you asked me for. If you want more documents, ask for more documents. I send an itemized invoice, the SOPs and the pet history everytime and several of my claims have been denied. For what reason I don't know. I hesitate to recommend METLIFE to others because the process is not seamless at all and there is zero communication on METLIFE's end. I have yet to speak to a live person about any of my claims. If information is needed, metlife should reach out or send a reminder that info is needed before the claim is closed. Once a claim is closed someone should reach out to see if there are any questions on the claim processed or at the very least a courtesy call to ask if the pet is doing okay. This experience has been anything but personable. There is no chat bot to offer help, there is no agent handling my case and reaching out, there is nothing. It's a guessing game and a game of rulet on whether or not they accept the claim or not.
Insurer: MetLife
By: customer
My dog was diagnoised with Splenic…
My dog was diagnoised with Splenic stromal sarcoma in Nov 2025. Her spleen, the mass, a a portion of her liver was removed. It was malignant. She been under going Chemo every 2 weeks. The financial expense was staggering. I am so grateful to have Healthy Paws Pet insurance. Not only have they paid 80% of the medical bills but, it is done in such a easy process. I filled a claim on a Friday and by Monday the funds were in my checking account. The best customer service during this trying time. They also follow up to chek on my dog. I highly recommend Healthy Paws Pet Insurance to everyone who has a pet. Affordable, low deductible and outstanding customer service from a company who cares about you and your pet!
Insurer: Healthy Paws
By: Susan Lemieux-Cortez
Never covers anything
Never covers anything; more expensive than other insurances; every year it seems the costs go up and the coverage is less. They say they’re here for you and available 24/7 and then they find ways of not covering in the way other insurance companies would.
Insurer: Trupanion
By: Kristina