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 01, 2026

The quickness of processing a claim request.

Quick response and the simplicity of submitting a claim. Outstanding phone assistance when needed. Outstanding email updates on the status of your claim.

Insurer: Spot

By: Louis Stortini

Verified January 01, 2026

Easy to submit documents

Easy to submit documents. Appreciated email follow ups on status. Claim was processed in a timely fashion.

Insurer: Fetch

By: Karen Metcalf

Verified January 01, 2026

so quick and easy to file and receive…

so quick and easy to file and receive claims.

Insurer: MetLife

By: Chris

Verified January 01, 2026

Filled out the application

Filled out the application, they immediately took a double payment off my card (that was not stated very clearly), then sent an email that if I didn't have a vet record within the last 12 months, I'd have to pay for a full exam, out of pocket before they would cover anything. Being short on money for vet visits is why I enrolled. Immediately asked for a refund and no response. This company is a complete scam!!

Insurer: Nationwide

By: Nick

Verified January 01, 2026

Thank you so much for taking care of…

Thank you so much for taking care of Lunas bills so promptly ..

Insurer: Trupanion

By: Donna

January 01, 2026

Our 5 yr Aussiedoodle01

Our 5 yr. old Aussiedoodle has had his share of claims and Embrace has been a lifesaver to us. We weren't sure if pet insurance was affordable or necessary, but it has proven to be both.

Insurer: Embrace

By: Tom Taylor

Verified January 01, 2026

Suddenly my kitty has cancer

Suddenly my kitty has cancer. There were extensive diagnostic tests needed. I appreciate having options for her diagnosis and treatment that I could not afford otherwise. There isn't a cure, but we will be able to extend her life for maybe a year. If not for this insurance, we would have to euthanize her in a month or so. I have been amazed at how quickly Trupanion covered the costs.

Insurer: Trupanion

By: Christina B

Verified January 01, 2026

Quick turnaround on claim processing

Quick turnaround on claim processing

Insurer: Pumpkin

By: Lacey

Verified January 01, 2026

First time having dog insurance

First time having dog insurance. We brought our pup to the vet. Submitted our recipt by taking a picture and uploading it. Within a few hours our claim was reviwed and we seen a refund to our account the next day. Simple fast and on point. Could not be happier.

Insurer: Spot

By: Rebecca Drinkwater

Verified January 01, 2026

Highly recommend MetLife!

MetLife has been great and efficient when processing our claims! We’ve had a few medical issues since adopting our cat, things we didn’t expect to happen so we’re more than grateful that we have insurance with MetLife for our cat.

Insurer: MetLife

By: Molly

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