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.

64,657 total


April 04, 2026

Look elsewhere. Private equity owned now.

First off, my premium has skyrocketed in the last couple of years, now more than double what it was when we joined. Second, they are denying more claims as time goes on, similar to how human health insurance claims to cover you but finds a way not to. Third, I feel there is absolutely a premium increase based on your usage, and other users have pointed this out on Reddit (having two dogs, making claims for one and not the other and seeing a difference in their annual premium increases). I loathe that this company was bought by private equity; that was the beginning of true downfall. I wish I had chosen one that wasn’t, but I’m stuck with it now, as my pet has “pre existing conditions” in the eyes of any other insurance. Overall, getting policy coverage payouts is too hard, since they continually ask for more documentation to slow you and have you drop off during that process; it’s a known tactic. Why 3 stars? Bec at this point, they are still paying out most claims (with extra work) and the employees are lovely. But if I was someone buying a new policy, I’d look elsewhere.

Insurer: Pets Best

By: KT

April 04, 2026

They paid me what I expected

They paid me what I expected

Insurer: MetLife

By: Connie Tench

April 04, 2026

Quick processing time

My claim was processed quickly and reimbursement was made within a few days.

Insurer: Pumpkin

By: kat

April 04, 2026

You all helped save my girl

You all helped save my girl. I wouldn't have been able to afford treatment for her Addisons without you. Thank you.

Insurer: Trupanion

By: Kelsey

April 04, 2026

The ease of invoice submission and…

The ease of invoice submission and quick processing.

Insurer: MetLife

By: customer

April 04, 2026

Exceptional Customer Experience

I’ve had MetLife pet insurance since my dog was a puppy and I have had the best experience. It’s been very easy to contact customer service, get my questions answered, submit claims and get reimbursed. I had to double my coverage since vet costs have been raised substantially, but I honestly would not recommend going without it.

Insurer: MetLife

By: Jackie Nathan

April 04, 2026

Incredible

Incredible, fast and the coverages as promised!! Thanks for your concern with my dog!! The claims department: two thumbs up!!❤️

Insurer: Trupanion

By: Wanda

April 04, 2026

When I called for assistance

When I called for assistance, the employee was helpful and compassionate. My claim was processed fairly and quickly. I was reimbursed in just a few days. Pumpkin allowed me to make the decisions for my dogs care that I needed to without worrying about cost.

Insurer: Pumpkin

By: Janette

April 04, 2026

Great coverage

Great coverage, along with timely review and reimbursement! This is the third pet insurance company I have tried over the years, and it is by far the best!

Insurer: MetLife

By: Erin Reynolds

April 04, 2026

Thank you for your support in…

Thank you for your support in correcting issues with my claim

Insurer: MetLife

By: customer

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