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.

64,641 total


June 09, 2026

The Claim was a very easy and seamless…

The Claim was a very easy and seamless process during a s stressful time when our puppy was sick . The Emergency Vet staff took our information and once we were able to check out provided all the information we needed . Additionally it was wonderful that Trupanion was able to pay directly to the Vet the our benefit, which made this process even better. Thank you Trupanion we value your service

Insurer: Trupanion

By: Sherry Guthrie

June 09, 2026

Very easy to use

Very easy to use, saved money and received better coverage!

Insurer: MetLife

By: Tracy S

June 09, 2026

Quick and Easy!

I just processed my first claim for my dog's dental surgery. I got paid back in just under a week! It was SO much less hastle and SO much quicker than any other pet insurance company I have ever worked with. All you have to do is upload the receipt in the portal, super super user friendly, and they take care of the rest. Highly recommend.

Insurer: MetLife

By: Noellie Martinez

June 09, 2026

A Genuine Insurance Brand <3

Loki has been covered since he was a puppy and Healthy Paws has never let us down. Claims are straightforward, reimbursements are fast, and the coverage has held up when it actually mattered. Genuinely glad we have it.

Insurer: Healthy Paws

By: Loki

June 09, 2026

Worth It

Overall: My experience with Pet’s Best has been great in terms of claims. Initially, their processing times were taking 3-4 weeks but recently they have been processing insanely quick which helps with the costs of vet care. My dog has been hospitalized four times over the last few months and we have been a wreck. Without the insurance, I’m not sure what we would do. The only complaint I do have is the policy increases are very high. I’ve been with PB for nearly four years and I’m paying close to $315 monthly for two dogs to be insured. It’s unfortunate that downgrades cannot be made with our risking coverage/writing a new policy.

Insurer: Pets Best

By: Jenna K.

June 09, 2026

Don't go there!

Whatever you do, do not pick MetLife! They are a total scam. They will find ANY reason, no matter how absurd to call EVERYTHING a "pre-existing condition". The latest, and amongst the worst is that MetLife claims to cover tooth cleanings. We just had our dogs teeth cleaned, and the only thing the MetLife covered was the antibiotic she was sent home with! Apparently her having teeth is a "pre-existing condition", despite MetLife claiming to cover tooth cleanings! EVERYTHING with these scamsters is a battle! Do yourself a favor and try to find an honest insurance company like I'm going to have to!

Insurer: MetLife

By: David

Useful
June 09, 2026

HP was very patient about securing…

HP was very patient about securing medical records after our dogs surgery. We were naturally most concerned about her recovery, as was HP, and they gave us all the guidance, time and direction needed to complete our claim. Once received, they processed the claim quickly and have followed up with us.

Insurer: Healthy Paws

By: Tomas Calabro

June 09, 2026

Quick and Easy

Submitting a claim is very easy so long as you have the needed paperwork. Payment is also very quick and easy once the claim is verified. Pumpkin has come through for my dog twice over the past three years.

Insurer: Pumpkin

By: Customer

June 09, 2026

SCAM

I took my one and a 1 1/2 year old English mastiff to the vet Because his scrotum area was red and enlarged.. I don't remember what they said the problem was, but they said they would have to do an emergency neutering for him which was fine Because I was going to get that done anyway at some point.. This was to be done the next day.The next morning, when I woke up to take him for the surgery, I noticed that that area was bleeding.. They did the procedure, they also had to remove the scrotum, and he is recovering nicely. I sent all of this information to Embrace and they refuse to cover it. They are nothing but a scam...

Insurer: Embrace

By: Cancun777

June 09, 2026

Great coverage

Great coverage Great monthly automated payments. Loved how you can choose your own deductible Enjoyed talking with Trupanion's agents they are very helpful and patient with me . Thanks

Insurer: Trupanion

By: connie hall

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