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.

58,987 total


Verified November 17, 2025

Met Life has been wonderful

Met Life has been wonderful. Very responsive and so easy to file a claim and be reimbursed. I have never had pet insurance until this year and I wish I had done this years ago!

Insurer: MetLife

By: Karen

Verified November 17, 2025

Although I am not good at computer…

Although I am not good at computer things, I did the best I could sending the info and I’m assuming they got in touch with my vet for more info, leaving me out of it which was nice. Pretty quick response too

Insurer: Fetch

By: nancy thomas

November 17, 2025

No Common Sense

What went wrong was when I signed up my new puppy, the wellness policy was not added. I turned in a claim, and it was denied. Now, I have another dog signed up for almost a year. Common sense would tell you to sign up the dog for wellness when I said I wanted the same thing the first dog had. Then I spoke with someone else, and they said I could add wellness. I would have to pay over $400.00 because it would have to be backdated to before the dog was born. Senseless!

Insurer: Embrace

By: Elaine Holmes

Verified November 17, 2025

Awesome Company, easy and fast claim processs

Easy and fast to process claims. Great coverage and your Customer Service staff are wonderful and very helpful..and all are located in the U.S. ! Id give you 10 stars, if possible. Carol K.

Insurer: Fetch

By: Carol

Verified November 17, 2025

So happy I have Spot for my pups!

I have Spot Insurance for all 3 of my dogs. For the first time I submitted 2 claims for an injury on my 4 y/o dog. One for a specialist and the second for a CT scan. Spot paid the claims without any issues and very timely. I have heard horror stories about other companies. I couldn’t be happier with Spot!

Insurer: Spot

By: LAURIE MCCLAIN

November 17, 2025

Don’t buy Trupanion if you took your dog to the vet yet.

I have a puppy lab made the mistake of telling the vet he would eat some sticks and mulch sometimes days before I got truepannion and they now mark everything to do with swallowing foreign substances as a pre-existing condition and will not cover it low and behold he needs 4,560$ worth of surgery now for swallowing a toy/rock and they denied coverage I had to debate putting down a 4 month old lab because the Vets and Insurance company’s working together to insure the least coverage for an insurance cost you would put on a new car.

Insurer: Trupanion

By: Sal

Verified November 17, 2025

Great response to claims submitted

Great response to claims submitted

Insurer: MetLife

By: Nathan Johnson

Verified November 17, 2025

Simple processing of claims

Its simple and straightforward process when you are in the system and get reimbursed fairly quickly.

Insurer: MetLife

By: Ami Alexander

Verified November 16, 2025

Timely review of claims and easy…

Timely review of claims and easy submission methods with the app.

Insurer: MetLife

By: customer

Verified November 16, 2025

Claim process is very quick and the…

Claim process is very quick and the customer representatives are responsive.

Insurer: MetLife

By: rohit

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