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 14, 2025

Fast Processing

I appreciate your quick processing of claims.

Insurer: Trupanion

By: Joseph

Verified November 14, 2025

Still waiting for problem on invoicing…

Still waiting for problem on invoicing and reimbursement you are suppose to be contacting bev’s emergencies My dog had oral surgery and then during the procedure they found out that there was a problem with another truth, and they submitted the second invoice brought got pulled together with the first preapproval

Insurer: Trupanion

By: Anne

Verified November 14, 2025

This company covers just a small…

This company covers just a small portion of veterinarian bills. Their people are friendly, but at the end of the day it comes down to money and they don’t share much of it when your dog is sick.

Insurer: Trupanion

By: Lane

Verified November 14, 2025

Exceeded expectations

The claims process was quick, efficient, easy and very fast. The claim was processed within 24 hours and the reimbursement was received within a couple days. Very happy with the entire process.

Insurer: Embrace

By: Lindsey Fincher

Verified November 14, 2025

Fetch delivered as expected

After following the standard procedure Fetch responded as expected

Insurer: Fetch

By: Irene Kaplan

Verified November 14, 2025

Trupanion literally doubled our monthly…

Trupanion literally doubled our monthly payment. That was deeply disturbing. Also, you did not pay for the recent sick visit fully. We were responsible for the examination fee, and were under the impression that any part of a sick visit would be covered. Otherwise, Trupanion has done a good job with phone customer service, and online ease of use. I always find the customer service representatives to be polite, friendly, and pleasant.

Insurer: Trupanion

By: Greg

Verified November 14, 2025

Very easy to submit claim and fast…

Very easy to submit claim and fast reimbursement for covered expenses.

Insurer: Trupanion

By: Michele

Verified November 14, 2025

Best pet insurance Ever!

The person I spoke to at Trupanion was so kind and caring! Trupanion was very prompt in approving my claim so that Trent could get needed care fast. This was my first claim and I am so impressed. I have had two other pet insurance companies before that was a waste of money. Not true for Trupanion. Love it!

Insurer: Trupanion

By: Joan Garvey

Verified November 14, 2025

Quick claims payments and helpful 24/7 phone assistance.

My claim was paid in less than 48 hours. I had questions about my deductible and how it was applied. The representative on the phone was very patient with me and explained how to proceed for future claims regarding the same issue.

Insurer: Trupanion

By: Carol Martin

Verified November 14, 2025

Overall good experiences over the last…

Overall good experiences over the last 2 years. The app usually makes uploading claims easy. Usually processed within a week or so. The last few claims however it has been really challenging. The app says my photo is too large to upload (but nothing has changed from previously submitted claims). So I’ve had to call to process making it less convenient.

Insurer: MetLife

By: Zoey girl

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