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 19, 2026

Claim settled with no hassle

I submitted 3 receipts, one from my regular vet and two from the surgeon who performed my dog’s specialist consultation & pre-op & biopsy (benign!!) I waited for the biopsy results (would she need further treatment?) before submitting the claim online. I immediately got a response that my claims had been received. Within a week I received 3 payment checks. So simple and no back and forth needing more info from me or my vets. Thank you Healthy Paws for making the process so easy :)

Insurer: Healthy Paws

By: Melanie N

Verified February 19, 2026

Cannot Say Enough Good Things

Trupanion has been great since the moment we started with them! Their claims process is straightforward and reimbursement is a quick turnaround, their customer service is wonderful, and I can tell that they genuinely care about our pets. Insurance is something you hope you never need, but when you do, it can be a lifesaver...literally. One of our dogs had an ongoing autoimmune condition, and Trupanion made the difference between us struggling to make decisions and us being able to give our boy the best life possible. We lost him recently at the age of 13, but those years were filled with more happiness that we ever would have thought possible. Part of that reason is because Trupanion gave us the peace of mind that we needed to give him the best care. Our pets are family, and they should be treated as such. I can't imagine owning a pet without a safeguard, and I would definitely recommend Trupanion to anyone for that reason!

Insurer: Trupanion

By: Abigail

Verified February 19, 2026

Easy to sign up. Covers a lot!

Easy to sign up. Covers a lot!

Insurer: MetLife

By: Clarence

February 18, 2026

Cats have pre existing conditions

Cats have pre existing conditions. Did they forget to tell you they would not cover these?

Insurer: Embrace

By: Craig Kronfeld

Verified February 18, 2026

Amazing customer support and such quick…

Amazing customer support and such quick action on the claims. I refer spotpet to everyone who will listen!

Insurer: Spot

By: Ralph Giordano

Verified February 18, 2026

Quick reply

Quick reply, review, and payment of my claim.

Insurer: Spot

By: David

February 18, 2026

This company is a scam. AVOID at all costs.

This company is a scam. I just realized that they have not paid a single claim since we signed up with them. They are claiming that every time we have to visit a vet its due to pre existing conditions, even though the vet says there's no indication of pre existing condition connection. And the appeal process is BS. there's been no follow up. We've been paying $167.57 per month for several years. What an absolute joke.

Insurer: Embrace

By: Nikita L

Verified February 18, 2026

I submitted my claim with no issues.

I submitted my claim with no issues.

Insurer: Spot

By: Jennifer Finn

February 18, 2026

Pets Best saves the day

Pets Best saves the day - again! Our Bella had knee surgery and we submitted the very expensive vet bill on Wednesday and received notification of the payment on Saturday! Always very prompt claims service, which is why we have been very satisfied clients for 10+ years. Thank you as always Pets Best!

Insurer: Pets Best

By: Patricia "Trish" Schneider

Verified February 18, 2026

You responded to my claims quickly and…

You responded to my claims quickly and in keeping with what you advertised when I chose Spot. Never expected to use it for this diagnosis for a four year old but appreciate you being there

Insurer: Spot

By: Jane Overbaugh

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