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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Trupanion saved Loki’s life
Trupanion saved Loki’s life! We had no money for the emergency surgery he needed but Trupanion gave us the peace of mind to focus on Loki as they covered 90% of the estimate and they only took five minutes to respond and approve!
Insurer: Trupanion
By: Esteban
Claim
not user friendly did not pay the full amount as promised of 90%
Insurer: Pets Best
By: Diane
Impressed with Pumpkin insurance
I just got a puppy and wanted to start him off with pet insurance, since the costs for medical have risen so much over the years. I called to understand and purchase the pet insurance and was pleasantly surprised to have a person on the other end who was extremely helpful in explaining the policy offering and costing. I purchased Pumpkin insurance and could not be happier. I purchased the accident and wellness (since he is pup). He went in for his second series puppy shots and my Pumpkin wellness insurance covered the entire cost. I submitted the paid invoice and it was approved in less than 24 hours and the funds were returned to my account within 5 days.
Insurer: Pumpkin
By: Alison Blackbird
Premium hikes of 40%
Be aware that people in Washington state MetLife pet insurance has decided to up insurance premiums by close to 40%. I had two policies for my cats who are all between six months and a year and a half old. I have two cats on each policy first policy was $10,000 I was paying $41 monthly and that's with a $250 deductible and 90% payed back. They decided they wanted to update it to $57 on my renewal date. My second policy is $20,000 and it was $53. They are wanting to update that to $89. Looks like I'm gonna be looking for a new Pet Insurance because they're trying to blame it on inflation through vet clinic upping their prices yeah, I work in the animal healthcare industry as a technician and I can tell you that rates have not gone up 40% at vets. They want me to lower what I have on my policy down if I want it to be cheaper, which is ridiculous that would meanI pay more to get less. I understand a little bit of a hike, but to do this is unreal. I would definitely suggest anybody in Washington state to try to find somewhere else until they get their rates under control. I'm not gonna take my deductible down or how much they pay me back down when I'm paying more that makes no sense and a 40% hike to try to blame it on veterinary cost being upped is them just wanting to up their rates and blame it on vet cost and inflation. When really they just want more money further stockholders. Especially since online they say rates will not be up due to claims but really what they mean is we won't tell you. It's claims we'll just say it's inflation or vet cost. I've worked in the corporate industry and I've also worked and currently working in the animal healthcare industry and they are gonna lose so many clients due to this. So make sure if you're paying these ridiculous monthly payments that you're at least taking your animal to the vet enough to get paid back at least the cost of what your annual payment to them cost. Also, before I found out that they are going to up premiums by close to 40%. I was going to up my limit to $20,000 on the one policy and they had quoted me $71 a month ago. They told me to call back when it was closer to my renewal date and when I called back today, they wanted it to be 89 even though I had it on recording that 30 days ago they quoted me it was 71 not only that when I got my previous policy for my two cats back in August 2025 for $20,000 policy. It was $53 so there increases our way above the norm and predatory in my opinion. especially since I work in the veterinary industry and the rates at vet clinics have not went up 40% in Washington state. so I don't know how they're justifying these increases in premiums and expecting people to eat it. Also, these are the rates they gave me with the discount for me being in the animal health care industry so anybody else that doesn't even have that on there, it's probably even more expensive . There's Pet Insurance companies that I could get unlimited coverage with for these type of premiums which I'm going to be looking into. Unless they're willing to fix this issue I'm definitely not gonna be renewing with them..
Insurer: MetLife
By: Sensia
Pumpkin's portal made it easy to submit…
Pumpkin's portal made it easy to submit my claim and get payment approval so I could focus on my fur baby getting well.
Insurer: Pumpkin
By: Adriana Babino
MetLife Pet Insurance
We had a wonderful experience with MetLife Pet Insurance this year. Claims were processed in a timely manner.
Insurer: MetLife
By: Lily M
Consistently great service
"My sweet fur baby was vomiting on December 8th. Trip to the doctor, labs, X-rays, and fluids and we decided to observe for 24 hours. December 9th she escalated vomiting and required emergency surgery. Mercifully my baby is doing great. Claim was filed on December 10th and PAID on December 19th. 90% paid no questions, no fuss just great service."
Pets Best was good at one time
I was very happy with Pets Best until recently. I went to submit a claim on their portal and was unable to log in. Called customer service and was told they were working on the problem. It has been over four months, and you cannot submit a claim through their website. You have to submit it through an e-mail and it takes forever to receive a breakdown of the allowable charges. I am beginning to look for a new insurance provider that can make processing claims simple and quick.
Insurer: Pets Best
By: Todd
Quick to process my claim however large…
Quick to process my claim however large claims take much much longer
Insurer: MetLife
By: Sharon
Trupanion is a lifesaver
Trupanion is a lifesaver, easy to have, and fast with claims and payments. With 3 elderly purebred dogs, I don’t know what I would have done without this superior coverage. It takes the financial factor out of the equation of the decision making. Because of that, my kiddos get the absolute best care possible! Thank you!
Insurer: Trupanion
By: Ann