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 14, 2025

The claim process has been long and…

The claim process has been long and confusing. First claim was denied when I asked the person said it was in error. So had to start all over. Then the app showed missing documents. I had to call again because I submitted them . They said they had everything. Its been that way each time.

Insurer: MetLife

By: customer

Verified December 14, 2025

MetLife pet insurance makes it really easy

MetLife pet insurance makes it really easy and hassle free to get reimbursed. I never have to worry about expensive vet visits or medications because they cover it.

Insurer: MetLife

By: customer

Verified December 14, 2025

Not all pre-existing conditions are actually pre-existing

I'm rather upset about they way my claims were handled for a dog I adopted. Some claims were designated as pre-existing, even though the dog had been tested and given a positive physical. I do plan to appeal.

Insurer: MetLife

By: customer

Verified December 14, 2025

Very uncomplicated and as promised

Very uncomplicated and as promised

Insurer: Fetch

By: Helena

Verified December 14, 2025

Best Decision We Made!

We got MetLife pet for our younger dog that had not had any health issues after having to pay out of pocket for our older dog more recently. Best decision we ever made! MetLife offers a discount through my work and we couldn’t be happier with the service. Our dog unfortunately has had two TPLO surgeries in less than a year and having them reimburse use for what we would normally pay completely out of pocket has been a godsend

Insurer: MetLife

By: Stacey

Verified December 14, 2025

Prompt and timely matter in reviewing…

Prompt and timely matter in reviewing claims. Totally satisfied with the service. Thank you.

Insurer: MetLife

By: customer

Verified December 14, 2025

Pumpkin paid both my claims

Thanks pumpkin. They have paid 90% of my claims after my 500.00 deductible. No issues whatsover. They paid me back a little over 1100.00. I have the unlimited plan with 90% payout. My cat had watery diahrea that wouldnt go away for over 2 weeks and then a few months later some urinary issues, pain and not feeling well. Pumpkin paid 90% for xrays, ultrasound, bloodwork, antibiotics, pain shot, and 3 visits. I am very satisfied. I just hope my rates don't skyrocket. All i had to do was upload vet invoices and give a brief description of what was going on. First claim was approved in 3-4 days, 2nd claim took a week probably due to backlog over Thanksgiving. My boy is 9 and i pay about 80.00 a month

Insurer: Pumpkin

By: Adam

Verified December 14, 2025

Good pet insurance company

Good communications, quick turn around for reimbursement.

Insurer: MetLife

By: sg

December 14, 2025

Easy Reimbursement was swift

Easy Reimbursement was swift

Insurer: Pets Best

By: Susan

Verified December 14, 2025

Excellent pet insurance - 5 Stars

Excellent insurance for my cats and rapid turn around for reimbursement!! I’ve had other pet insurances for other animals in the past and Pumpkin by far is the best!!

Insurer: Pumpkin

By: Suzanne Cissna

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