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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If Only All Insurance Worked This Well
We’ve insured our Bernedoodle with MetLife Pet Insurance for several years now, and they continue to impress us every single time. The claims submission process is incredibly seamless, responses are fast, and they do an excellent job keeping you updated throughout the entire process. Honestly, I’ve commented more than once that I wish the claims process for my personal healthcare insurance worked even half as smoothly as it does for our dog. MetLife is truly remarkable in how efficiently and consistently they handle claims. It’s rare to find this level of reliability and communication, and it gives us real peace of mind knowing our pup is covered.
Insurer: MetLife
By: Ron Legus
the quick review process and the amount…
the quick review process and the amount covered by insurance.
Insurer: Spot
By: Candace Spence
Thank you, Pet’s best
Lola, our beloved Weimaraner, was diagnosed with lymphoma when she was a little over 4 years old. At the time, her oncologist warned us that treatment could cost as much as $20,000 - almost what a full college semester will cost our high schooler daughter. Having Pet’s Best, which has never unfairly denied our claims before, spare us from having to decide between paying for college and giving our beloved Lola around. Nearly 2 years (and almost $30,000) later, we are grateful for the wonderful gift of time we’ve received, and for the steadfast commitment shown by Pet’s Best to help us enjoy it with our Lola.
Insurer: Pets Best
By: Natalie
Best decision for pet care!
It's so easy to submit a claim! I was amazed how quickly I was reimbursed! I was reimbursed far more than I thought I would be. I'm very happy and impressed with Fetch. Best decision I've made for pet care!
Insurer: Fetch
By: Rosetta Cozart
Buyers Beware
We purchased our puppy from Bark Street Puppies on Saturday 11/22/25 at 3:00PM and were pleased to hear that a policy with Trupanion was included with the transaction. We were advised that a health exam needed to occur within 24 hours. A full health exam was performed on Monday 11/24/25 at 2:00PK at Pets R Family Veterinary Hospital but due to processing issues the claim was not able to be directly filed by the Hospital forcing us to pay for the service and await for a reimbursement. Our claims were finally processed on 12/31/25, five (5) weeks after submission. The claims were denied because we “failed” to have the examination occur within the 24 hour period. When we challenged this decision claiming that no veterinarian office is open on a Sunday so the 24 hour requirement was met with the visit on Monday. Trupanion responded by saying 24 hours means 24 hours whether or not a weekend or holiday falls within their stated timeframe. How absurd! Throughout the world all businesses including governmental agencies take into account non business days when calculating timeframes. With this in mind we believe that we should be compensated based on the fact that only emergency services are available on Sundays and or holidays. Trupanion’s decision is contrary to normal business practices. Buyer Beware as this company has shown that they will use any excuse to avoid normal payments through the use of deceptive practices.
Insurer: Trupanion
By: Theodore Firios
The fast turnaround with reimbursement
The fast turnaround with reimbursement. Also keeping me in the loop with EOB.
Insurer: Fetch
By: Julie Wolfe
Claims reviewed quickly and accurately
Pumpkin always reviews and adjudicates claims really quickly. Claims adjudication is always fair and I have never had to appeal a decision in 4 years with policies on multiple pets. I wish pumpkin could handle MY health insurance too, it’s not fair my dogs insurer is so great and mine sucks.
Insurer: Pumpkin
By: RAGB
Easy to file!
Easy to file! Very straightforward and the claim was processed super quickly!
Insurer: Spot
By: Sandra Vazquez
I applied the 23rd
I applied the 23rd, yall still haven’t gotten back to me on my pets approval so i won’t even have coverage until two weeks from whenever yall get back with me, as well as the fact i called on December tenth and my rate was $17 and then when i decided to get it the 23rd it was $28 a month and yall said you would investigate why and leave me a voicemail but yall never called me back and it’s been over a week and I’ve heard nothing. Also just yall aren’t gonna cover much and for r to i pets you can’t find any insurnace that assist with any kind of preexisting conditions like you can either a dog or cat
Insurer: Nationwide
By: customer
Magical Mystery Tour
My dog's case was a bit complicated, which lasted about 2 weeks. I recieved exccellent care from both Adobe and Sage, and I am so glad to have the Pet Insurance. I am extremely grateful to Pets Best for making it easy for me to file claims and upload documents. Having Pets Best has been the most important investment I have made over the last several years. Thank you for the peace of mind