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.

64,641 total


May 10, 2026

Why can’t human health insurance be this easy?

Piece of cake. The process was easy and seamless

Insurer: Pets Best

Veterinarian: Millwood Animal Hospital

By: Marla

Useful
May 10, 2026

Easy to file a claim for preventive care

Easy to file a claim for preventive care

Insurer: MetLife

By: Patricia Stroud

May 10, 2026

Great Insurance

Pets Best is amazing! My dog had to have TPLO surgery recently. I went to a surgeon who is known for this surgery especially for performance dogs. She has made a complete recovery and I could not have asked for better coverage from her initial visit to her last.! Pets Best paid for it all quickly and flawlessly. The peace of mind is well worth it!

Insurer: Pets Best

By: Heidi

Useful
May 10, 2026

Do Not Choose If Your Dog Needs Chiropractic Care

I have no complaints for them covering accidents other than the rate increases every year (a lot), 20%) and the fact that they don't cover chiropractic care unless it's done by a licensed veterinarian or under the supervision of a vet. You will NEVER find a vet who does chiropractics nor will a vet stand there while a chiropractor does their manipulation. And there are other therapeutics they won't cover unless it's done by a vet. Vets do acupuncture, but none of the other things such as trigger point therapy. So beware. I was told by Hartville when I was switched from another insurance company that they cover chiropractic care, but they never said it had to be done by a licensed veterinarian.

Insurer: Hartville

By: Deb

Useful
May 10, 2026

Been with Nationwide for 10 years

Been with Nationwide for 10 years. Always had great customer service and submit claims were easy. No issues with getting reimbursements

Insurer: Nationwide

By: Carol

May 10, 2026

Several of our claims were denied…

Several of our claims were denied claiming incomplete vet reports but my veterinarian submitted numerous copies of requested material on numerous dates

Insurer: Spot

By: Linne Mackenzie

May 10, 2026

Ease of submitting claims

Ease of submitting claims. Fast claim processing.

Insurer: Pumpkin

By: Lisa

May 10, 2026

Very happy with SPOT Ins

So far I’m very happy with SPOT Ins for my cat. Claims are easy to file and I’ve been reimbursed appropriately.

Insurer: Spot

By: Jessica

May 10, 2026

I had a great experience!

I had a great experience! Everyone is always so helpful when you call in. The payouts were quick. Not only to me, but, to my Veterinarian. My cat recently had surgery and the Vet was paid before I even picked him up. Also, reimbursements to me, on two prior visits, were paid within 2 days of me submitting the bill by automatic deposit. I also want to mention, before my cat's surgery, while I was sitting in the Vet's exam room I received the estimate from Trupanion on how much would be paid out. I had called in advance and Trupanion told me the Veterinarian's in my area that accept direct pay from them. Thank you Trupanion for making a difficult time so much easier for me. I will definitely be posting my experience on the internet and letting my friends and family know about your company. R. Lambert

Insurer: Trupanion

By: Rhuell

May 10, 2026

Super fast claim processing

Super fast claim processing, no hassles or issues at all! I love that I don't have to worry in times if emergency, I can say yes to all the best options for my 4 legged babe and I don't have to worry that I can't afford it.

Insurer: Pets Best

By: Jen

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