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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Healthy paws provides very quick and…
Healthy paws provides very quick and well described reimbursement. Any questions are responded to within a day. Only issues are looking at older claims in app.
Insurer: Healthy Paws
By: Marta Owens
This company has been the best to wirk…
This company has been the best to wirk with. Claims are easily submitted and quickly reviewed. If I am owed money it gets instantly deposited automatically into my bank account. Love it!
Insurer: Pumpkin
By: JoAnna K
TruPanion is the best!
I feel so blessed to have TruPanion on my side when it comes to my dogs health. My fur-baby Mila just underwent a surgery for her joint (patella) and TruPanion covered so much of the bill that left me paying a much smaller portion. It only took a short time for them to inform me of my portion on any allowed expense. Thank you TruPanion for making our health visits so much easier!
Insurer: Trupanion
By: Barbara J.
It is so easy to make a clame
It is so easy to make a clame, and refund is right there
Insurer: Spot
By: Gordana Gorta
I have accident and illness insurance…
I have accident and illness insurance on my two cats. I often wondered if i should keep this insurance. The answer is yes. My cat got sick and Spot Insurance was there to reimburse me.
Insurer: Spot
By: Cynthia
Thank you for all updates along the way…
Thank you for all updates along the way on my claim .
Insurer: Fetch
By: MZ
Pumpkin Review
Filing claims is easy with great turn around..thank you
Insurer: Pumpkin
By: customer
I purchased this policy through my…
I purchased this policy through my work, for my 2 year old GSD. It sounded cheap at first with payroll deductions but when I added it up, its over $750.00 a year premium, that alot for a 2 year old. The policy became effective in Feb, 2026. In mid february my dog had some black urine that we saw vet about he was diagnosed with anaplasmosis, I didnt place a claim. In march my dog suddenly had trouble urinating where he was mistakenly dx with tick borne disease, then 2 days later was rushed to university vet hospital where he was diagnosed with prostatitis. Between the 2 visits vet bills were over $2000. I put in claims for both vet bills and upon checking status will be reimburses 57.50 for his nexgard. They claim this was a preexisting condition. I'm not sure how this can be considered a preexisting condition he was having no trouble until feb. I plan on calling to fight them for this, I plan on cancelling this policy after I fight them. I didnt get this before in my paperwork but just noticed it on the website explanation of benefits that he is not covered for cruciate or behavioral issues- this was not disclosed at the purchase of the policy. I'll file a complaint with my state insurance board. I would NOT recommend this insurance to anyone, way too pricey for apparently very limited coverage. Update: I noticed that my dog had a cruciate exclusion and he had NEVER had any problem with any of his legs! Sadly I had to put my 2 year old dog down earlier in the week, I blame nationwide partly for this, there were so many exclusions I couldn't have extensive testing done to find out what was causing him such severe pain. It seems Nationwide is NOT on your side.
Insurer: Nationwide
By: Jodi M
Not worth the headache
They want a year worth of medical records on your pet. The information they request for a little 800 dollar a year insurance policy is insane. My dog had more coverage without all this extra. It is insane to me that they require more information for your pet then a 100,000 life insurance policy or medical insurance ask for a human. I just don't think it's worth all the crazy emailing of a years worth of medical records. I can get her insurance cheaper and better cone to find out. Insurance that pays the vet directly without all this headache. I just thought it would be easier to have it come out of my paycheck, but really it's more of a headache with less coverage.
Insurer: Nationwide
By: Heather J
SCAM ARTISTS
Scam artists. Complete rip off. The company preys on people who lack the time or patience to fight them on every single claim. They will scour your vet bill for the tiniest whiff of anything pre-existing, and then deny the entire claim even if the purpose of the visit had nothing to do with something chronic that's just noted as part of the pet's history. These clowns 100% get paid commission to deny claims. EDIT: not surprisingly, you’ll now see a response from MetLife below inviting me to contact them. Don’t be fooled by this free PR move masquerading as genuine concern for customers. They had their chance, and chose instead to repeatedly deny valid claims.
Insurer: MetLife
By: Scammed