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 December 30, 2025

Thank you

This is the second dog that we have had with HP Insurance. The process of submitting claims and receiving feedback/communication was above and beyond what I was expecting. This last claim was the biggest we have ever submitted, even when we had our dog Zoey Peele (RIP). I submitted 65 pieces of paperwork regarding Nala's injury, and when I tell you the process was dummy-proof (LOL), it truly was. I also thought because the bill was so much, that it would take a few months for everything; NOPE! We got back our money within 2 weeks of submitting, and that was right before Christmas, so needed. My co-worker has pet insurance with a different company and could not beleive HP process and quickness. His dog has a major injury months ago and it took them close to 6 months for a $6k claim. Once again thank you so much for making this process so easy.

Insurer: Healthy Paws

By: Raymond Peele III

Verified December 30, 2025

Website was easy to follow to submit…

Website was easy to follow to submit claim. Prompt response.

Insurer: Pumpkin

By: Kathy

Verified December 30, 2025

The service was fine but I wanted to…

The service was fine but I wanted to see the numbers in WRITING. I couldn't get the "get a quote" link to work and even messaged their IT about it but never heard back. Ultimately, I did it through the phone but once I received the email back with the coverages (they wouldn't send an email prior to my acceptance and credit card showing these numbers) I realized the deductible was NOT the $250 deductible provided through my employer but the standard $500. Nationwide was only financially good for us if we had the $250. Now I'm jumping through hoops to fix it but I guess I'm going to be SOL. The coverage works fine I'm sure but now I'm paying too much for something I didn't want. I do NOT recommend calling to get a quote.

Insurer: Nationwide

By: BP

Verified December 30, 2025

They are efficient in paying me back…

They are efficient in paying me back what i paid to the vet

Insurer: MetLife

By: Deborah Morrow

Verified December 30, 2025

First claim

This was my first claim. I appreciated how incredibly easy and quick the process was.

Insurer: Trupanion

By: Tracy

Verified December 30, 2025

You guys are awesome

You guys are awesome. At was very easy to fill the claim and your response time as incredible. Within minutes you sent me a notification that your working on it and within another few minutes I had the money in my account. You don’t know how much I and my family appreciate you. Thank you from all our hearts ❤️

Insurer: Pumpkin

By: Karin

Verified December 30, 2025

They are quick to process claims in…

They are quick to process claims in an.emergent situation.

Insurer: Trupanion

By: Eva

Verified December 30, 2025

Customer Service is top-notch

Customer Service is top-notch. I do not like talking to an AI generated bot and talking to a human is so much more helpful and personal. Your claims process was seamless and easy to navigate. The forms tell us exactly what we need to do so that there is no glitches. Thank you for your excellent service!

Insurer: MetLife

By: Kathy D.

Verified December 30, 2025

A claim was submitted for $246.51 for…

A claim was submitted for $246.51 for medications. Only $16 was paid and indicated the claim settled. I called and spoke with your representative, Brandi, who told me Claims would investigate and respond to me. (Eye medications) No response yet. A claim was submitted in November for $1700 and still has not been paid. I did , however receive a payment of approximately $3000. dental surgery for Zeus. I'm disappointed in your claim service and as a former Sales Representative of Metlife, for over 50 years,disappointed in the reputation your claim processing will generate. Paul Katz

Insurer: MetLife

By: customer

Verified December 30, 2025

The process is very easy

The process is very easy. Upload documents and the process begins. An EOB is provided to explain exactly what is covered and what is not with a detailed explanation. If you disagree with something you can call their customer service and ask them to review it again.

Insurer: MetLife

By: Shannon

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