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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My Service Dog has had some very…
My Service Dog has had some very serious issues with his feet caused by allergies and infections that have lead to a toe amputation as well as possible surgery from an injury sustained due to shifting of his weight because of the infections. If we didn't have Trupanion I don't know what we would have done. My only complaint is that they don't cover any exam fees. When your dealing with a long term illness/injury even the exam fees add up the thousands. But they are very speedy in reimbursing you once you submit your invoice. With all they have covered so far, has paid for the policy tenfold!! Thank you Trupanion you are helping save my service dog/best friends life🙏♥️🙏 I don't know what I would do if I lost him
Insurer: Trupanion
By: Shell
The process was fairly simple by…
The process was fairly simple by uploading the documents requested. The number of days was fairly reasonable and the claim was paid according to the agreement.
Insurer: Fetch
By: customer
They are very helpful when you have a…
They are very helpful when you have a question about a claim. They go over our claims so we understand it better. Everyone is very helpful with
Insurer: MetLife
By: Norman L
Amazing timeline to get my…
Amazing timeline to get my payment/feedback. Claims process is highly efficient and effective.
Insurer: MetLife
By: Daisy Shen
My experience with Embrace Pet…
My experience with Embrace Pet Insurance: My puppy had several items considered pre-existing, so for us the illness coverage did not seem as beneficial as we expected. My recommendation is to have your dog’s evaluation completed through Embrace first and ask detailed questions—don’t automatically assume that every visit or service will apply toward your deductible. Ricky had all of his vaccinations, routine wellness care, and overall has been a healthy puppy. However, at 17 months old, they noted tartar buildup on his teeth, which was something I did not expect. For now, I decided to keep accident coverage on his policy. Thank you.
Insurer: Embrace
By: Tonya Hurst
Trupanion does not care about your pet
Trupanion does not care about your pet. They are another despicable insurance company in it for the money and they will do the most to avoid paying out a claim. They are inconsistent, consistently drop the ball, change their language conflicting against policies and will do what they can to cheat you out of paying. The premiums are outrageous and it's probably better to just save the cash in a high yield savings account. They do not show integrity in how they operate and have been a COMPLETE disappointment. Stay away and find another company or better yet save the cash yourself. It's rarely worth. And don't believe their saying "deductible paid once per condition, for the lifetime of your pet" because it is COMPLETELY untrue. Read the fine print and even then, you'll revel in the confusion of their contradictions. And I’m sure this company will respond with this review with some fake concern not to be confused with sincerity. They have none, I’ve tried talking to them and every time it’s some new person who knows nothing of my pet or my experience. They’re inconsistent between reps and will even just not respond all together. Avoid at all costs. Shame on you.
Insurer: Trupanion
By: katie
Horrible insurance
Horrible insurance. Unorganized claims department. Will deny your claims despite it being a NEW issue. Made my vet send records multiple times just to deny. Customer service is also not to par. Trupanion is a MUCH better provider and worth the price because they ACTUALLY cover your claims.
Insurer: Pumpkin
By: Casey
Ease of claim submissions and rapid…
Ease of claim submissions and rapid processing and payments when approved
Insurer: MetLife
By: Milan and Lola
Best Pet Insurance by far
I submitted a claim on Saturday 6/6/2026 to Trupanion, They approved it the next day 6/7/2026, and reimbursed my bank account on Monday 6/8/2026! Amazing how fast and easy they are to work with. I've had my Doodle insured with them since 2015. He's had two knees replaced, two teeth pulled now his heart is getting wonkie. They paid 90% of his bill after my deductable was paid. I love this company!
Insurer: Trupanion
By: Patty Wallace