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.

62,723 total


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

Verified February 18, 2026

Fast and easy processing of claims!

Fast and easy processing of claims!

Insurer: Spot

By: Tara Rogers

Verified February 18, 2026

Pumpkin was a great choice for Yadi

Pumpkin was a great choice for insurance. My cat, Yadi, was just diagnosed with heart failure, and Pumpkin was absolutely the right choice for his coverage. This diagnosis came out of nowhere, and our family was devastated. But Pumpkin was able to step up and assist with the multiple vet appointments and meds, and Yadi's condition has improved dramatically. The vet was amazed with his progress during the last visit. Pumpkin was instrumental with the treatment Yadi required. Thank you!

Insurer: Pumpkin

By: Patrick Gargiulo

Verified February 18, 2026

Easy to submit claims

Easy to submit claims, though there was a delay when I needed to reopen a case (due to lack of documentation).

Insurer: Figo

By: Rose T.

Verified February 18, 2026

They pay out really well and quickly…

They pay out really well and quickly when I send claims to them

Insurer: Trupanion

By: Marji Prefontaine

Verified February 18, 2026

I was very skeptical about pet insurance

I was very skeptical about pet insurance because I had no prior experience with it. But when I received the approval and the money was deposited back into my account within two weeks, I was shocked — in a very positive way! I will definitely be recommending it to my friends.

Insurer: Spot

By: Ihor

February 18, 2026

I absolutely love Pets Best

I absolutely love Pets Best. I used to be a member of Healthy Paws, but I'm glad I made the switch. Sometimes my claims are handled fast, I think the longest I've waited was 20 days. My hope is that my premium stays reasonable and continues to protect my angel baby until the end.

Insurer: Pets Best

By: Priscilla Ines Caracitas

Verified February 18, 2026

Both of my dogs have had some issues in…

Both of my dogs have had some issues in the last year- having Trupanion insurance for them has made a big difference in the level of care I am able to afford and Trupanion has been so easy to work with. Direct pay to my veterinarian or quick claim processing for the clinics that can't do direct pay - both have been easy and fast!

Insurer: Trupanion

By: Bernadette

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