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


January 02, 2026

Lied to trick us into signing up, denied coverage

We asked very specific questions when deciding whether to sign up or not (will this cover exam fees? Dental?). After two separate claims were denied, I'm done. They found 7 different categories to make sure they denied EVERY penny, and after talking to customer service about how their policies are structured, and reviewing the paperwork, the business model is clear - lie to get you to sign up, because there are no consequences to lying. Then collect your money until you file a claim, which they will deny because basically nothing is covered. Then move on.

Insurer: Figo

By: Zach

Verified January 02, 2026

So grateful that I took a leap and changed…

I used to have another Pet Insurance for our fur-daughter for years. So, I confess that I was little nervous when I’ve decided to change and enroll her with Metlife Pet. But now, almost a year later, I am so glad I did! The Metlife Pet team have been always super helpful, claim processing has been easy and super straight forward. Have nothing bad to say about it, just the opposite. MetlifePet: Thanks for being there for us and for helping us to support our Dog Health! We are grateful to have you guys as part of our team!

Insurer: MetLife

By: a devoted dog mom

Verified January 02, 2026

It was a smooth

It was a smooth, simple process to submit the claim. The turnaround time was better than expected.

Insurer: Spot

By: Ginger Kidd

Verified January 02, 2026

It was quick and easy to file a claim…

It was quick and easy to file a claim and the had a fast turn around with processing the claim.

Insurer: MetLife

By: customer

Verified January 02, 2026

Timely response to claim.

Timely response to claim.

Insurer: MetLife

By: Alan Wade

Verified January 02, 2026

Great experience

Very efficient process for filing a claim and the turnaround time was quick.

Insurer: MetLife

By: customer

Verified January 02, 2026

My claims are always processed quickly…

My claims are always processed quickly and if I need to speak to someone they always resolve any questions.

Insurer: MetLife

By: Dee Faltys

Verified January 02, 2026

Trupanion has been amazing in every way!

Trupanion has been amazing! Our pup has been really sick over the past month, in and out of the vet and the hospital/ICU and Trupanion was incredibily responsive (on the spot!), supportive and we are so thankful for the coverage as well as the overall customer service experience.

Insurer: Trupanion

By: KP

Verified January 02, 2026

Amazing service

Quick and easy process to submit the claim and processed time was completed within 2 days.

Insurer: MetLife

By: Fernando Rubiano

Verified January 02, 2026

Great customer service

I recently got my two cats insured with Pumpkin pet insurance I filed my first claim and was very happy with my experience We adopted the cat just one year ago and did not have his health history they worked with me and my claim was taken care of in a timely manner my emails were answered promptly overall a five star experience

Insurer: Pumpkin

By: Farnaz

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