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.

62,549 total


Verified March 22, 2026

Peace of mind

We had a scare with our pup and faced potential surgery. The vet told us she’d never had a trupanion claim for surgery denied, and it was such a peace of mind. Fortunately little guy didn’t need it, but all the imaging and tests and care were covered promptly (within 3 days). Grateful.

Insurer: Trupanion

By: Ashley

March 22, 2026

This company is a joke ther are scaming…

This company is a joke ther are scaming people.iv had sonnet for 5 years. I had my son on my insurancehe was a bad driver. They ask me take him off so I did. Then my insurance went up from 235.00 month to 315.00 it took me a little bit to realize that my insurance should be cheap. I never been in a accident. So I called them to talk about my payment they said they was a claim on my insurance.ther wasn't. It was a internal problem. So I ask them to see why I was paying so much they said they wold get back to me. That was 8 month ago. Right now I pay 345.00 my renewal is coming up and now they want to charge me 365.00 month. I that the longer you drive with no accident you get better insurance. This insurance company is a scam don not trust them. I will be leaving then before my renew this month. Should be ashamed of your company You are shameless people you will get what coming. God bless you

Insurer: Sonnet

By: Mike appleby

Verified March 22, 2026

My claim hasn’t been paid because you…

My claim hasn’t been paid because you need more information from the veterinarian however, my old insurance would accept the doctors invoice and reimburse me accordingly. I don’t know if the veterinarian will reply to your inquiry for additional information.

Insurer: Pumpkin

By: Alicia

Verified March 22, 2026

Quick return

Quick return, no questions to avoid paying.

Insurer: Spot

By: Reilly Cargan

Verified March 22, 2026

Healthy paws makes submitting a claim…

Healthy paws makes submitting a claim and getting paid out so simple. It took 3 days to get reimbursed, and that was with the weekend included!

Insurer: Healthy Paws

By: JESSICA

Verified March 22, 2026

Spot is a great choice all the way around!

Spot has been a great insurance for our dog Hux, a Britany. This is the first time we have gotten pet insurance for our pets, but being a veterinarian for over 25 yrs, I’ve dealt with just about every pet insurance out there and I can tell you, none are as easy as spot. The app is great, easy to submit things, they are clear in providing a detailed explanation of what was covered and how much. They are quick to reimburse and customer service is friendly and responsive. Great job Spot!

Insurer: Spot

By: JR

Verified March 22, 2026

Filing a claim

They definitely made filing the claim easy. Payment was processed within a week for the big portion and a couple of weeks for the minor portion. I would recommended Pumpkin. We were on the fence if we wanted to renew but I’m glad we did.

Insurer: Pumpkin

By: Deb Zollinger

Verified March 22, 2026

The process and refund for my claim was…

The process and refund for my claim was easy, and quick.

Insurer: MetLife

By: Lori S.

Verified March 22, 2026

I sent my paid receipt and my soap…

I sent my paid receipt and my soap notes! I was paid right away for my dog's ear infection! My thanks to MetLife Pet Insurance for their quick response!

Insurer: MetLife

By: customer

March 22, 2026

So many problems since the company was bought out

Charged two times this month for premiums. Customer service is impossible to contact, with wait times > 1 hour if you can get through, and expect to get cut off a number of times. In the past 6-12 months, they have stopped paying the exact same claims that had been paid. I am truly beyond frustrated with what has become of a good pet insurance company.

Insurer: Pets Best

By: D P

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