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.

58,461 total


Verified January 10, 2026

Quick response

Quick response, ease of filing, quick payoff.

Insurer: MetLife

By: customer

Verified January 10, 2026

With having a sick pet you have enough…

With having a sick pet you have enough to worry about to get your “fur baby” well and the correct care. It’s a comfort to know that Trupanion is there for you and helps take more stress off when they are able to pay your coverages portion before you check out if your veterinarian has them set up for direct pay. I’ve been with Trupanion since 2008 and will be with them many more! I can’t say enough great things about everything they have done for me and my pets when I needed to take them to the vet and thanks to them have added quality years to their life with me. Thanks.

Insurer: Trupanion

By: Linda

January 10, 2026

Only the best for our furbaby

We have used Trupanion since our pup was a baby, and we’re very pleased with their responsiveness in paying claims and with customer support. We highly recommend Trupanion.

Insurer: Trupanion

By: Consumer

January 10, 2026

Terrible Coverage Near Quadrupling of Premiums

I've used them for my Welsh Springer Spaniel for years. When they denied my first claims more than 2 years ago, it was suspicious but I let it slide. Now I've been paying premiums every month, easy to forget on autopay, and in the last few months they nearly QUADRUPLED the premiums with minimal notice and no real explanation. Last straw was rejecting 3 out of 4 of my latest claims because they were just past an arbitrary 60 day time limit for filing. I would have been better off self-insuring for all the premiums I've paid. Don't do it.

Insurer: Embrace

By: Bruce Gilbert

Verified January 10, 2026

Very easy

Very easy, Trupanion and vet did all the work!

Insurer: Trupanion

By: John

Verified January 10, 2026

Spot is the best

After owning several dogs and never having insurance, we decided that we would get it with our new mini dachshund seeing as we paid $$$ for our last ones ivdd back surgery. Spot is one of the few if not only insurance that covers genetic disorders. Thankfully we got insurance bc at 1.5 years old our Piper has gotten into more trouble than all my other dogs combined. Spot has given us the biggest peace of mind. We will never not have insurance, we will never not have spot.

Insurer: Spot

By: Piper’s Mom

Verified January 10, 2026

Great customer service and courteous…

Great customer service and courteous friendly staff. They answered all my questions and concerns. They are prompt with claims and explaining benefits and payments.

Insurer: MetLife

By: Vicki Jones

Verified January 10, 2026

Quick and easy

It's great that my vet specialist's office is able to submit my claim directly to Trupanion. I knew at checkout how much my share would be.

Insurer: Trupanion

By: Mary Ann

Verified January 10, 2026

Highly recommend MetLife Pet Insurance!

The claim submittal process is a breeze and the claim turnaround time is so reasonably quick! Highly recommend MetLife Pet Insurance!

Insurer: MetLife

By: Grant C.

Verified January 10, 2026

Fast turn around time for…

Fast turn around time for reimbursement. Easy to make claim.

Insurer: MetLife

By: customer

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