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.

62,710 total


Verified February 23, 2026

Claims paid promptly!

Our claims were reviewed, approved, and paid in under a week.

Insurer: ASPCA

By: Valerie G

Verified February 23, 2026

Great coverage

Very quick on processing claims and getting your money . Highly recommend

Insurer: MetLife

By: JT

Verified February 23, 2026

Easy claims process!

Easy claims process!

Insurer: MetLife

By: customer

Verified February 23, 2026

Trupanion are crooks

Trupanion are crooks. They operate with the intention of denying your claim and will go to lengths to try and prove pre-existing conditions then put the onus on you to disprove it. They are also inept. Small example of this - Blue Pearl submitted an invoice that had multiple line items. They looked at the first one, marked it as pre-existing and denied the entire claim. I had to follow up myself and have blue pearl dispute the other line items and that's when Trupanion paid up. Earlier they had taken minutes to deny the claim without any diligence. They have taken our money for years, increased our premiums and paid out almost NOTHING.

Insurer: Trupanion

By: SJ

Verified February 22, 2026

I was extremely pleased with the ease…

I was extremely pleased with the ease of making a claim and then the time it took to get a response from Spot Pet Insurance.

Insurer: Spot

By: Patricia Vizzi

Verified February 22, 2026

Our agent was very helpful and walked…

Our agent was very helpful and walked us through what to expect. The site made it very easy to tailor the coverage for my pets.

Insurer: Prudent Pet

By: Andy Montague

Verified February 22, 2026

It was such a relief to have a…

It was such a relief to have a complication with MJ and an unexpected vet visit to have Trupanion cover the majority of that bill.

Insurer: Trupanion

By: Christine A Walsh

Verified February 22, 2026

They pay claims fairly and promptly

They pay claims fairly and promptly

Insurer: Trupanion

By: Bernard

Verified February 22, 2026

Overall okay

I like how easy it is to submit a claim. But I received no sort of alerts or emails or information about the process of my claim (if it was approved, if it’s being worked on, how much I will be getting back, etc.) I have to constantly check the app if I want to know that information AND on top of that my insurance premium went up a few dollars this year without them even mentioning it to me which I do not appreciate at all.

Insurer: Spot

By: Jenna Snyder

Verified February 22, 2026

MetLife has made the claims process an…

MetLife has made the claims process an extremely pleasant experience. They don’t deny claims just to deny. Always had a payout with a quick turnaround. I’ve had other insurance companies and none have been this smooth and easy.

Insurer: MetLife

By: Lili

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