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 02, 2026

Just like any insurance company they…

Just like any insurance company they don’t cover some pre-existing conditions that they actually should cover. Insurance is a scam period, including pet insurance. If your dog has cancer and then you try to get coverage that’s understandable. But if your dog has allergies and the insurance company refuses to cover it just because they’ve gotten an allergy shot before you got the insurance, that’s nonsense.

Insurer: Embrace

By: Shaun Sigmon

April 02, 2026

Pets Best always comes through

Pets Best always comes through! This is my second year with coverage for my dog. The wellness coverage is just what we need, covers the basics for his meds, blood work, tests and office visit. (Thankfully we haven't needed the emergency coverage.) The claim process is easy on the app and on their web site. This time, the reimbursement for heartworm meds was approved in one day! Interface for reimbursement directly to my Care Credit account is seamless. Their rates are competitive, and I like that I can pay quarterly and set it up through Care Credit. I'd highly recommend Pets Best. Well worth it for the peace of mind.

Insurer: Pets Best

By: Geri

April 02, 2026

My puppy got an eye injury at the…

My puppy got an eye injury at the groomers, and I had to take him to a 24 hour emergency vet. The bill for his injury was $580 and Trupanion informed me that they would only pay $2 of this amount, which was a shock to me! They deducted $250 that I would need to pay per incident, and they also deducted the examination fee. Considering that I am paying $110 per month for this insurance, I was pretty shocked! I am reconsidering my pet insurance provider. If they are not there for me in an emergency, what is the point?

Insurer: Trupanion

By: Ann Wilson

April 02, 2026

Expedient refunds on claims

Expedient refunds on claims. No hassle on filing. Great service.

Insurer: MetLife

By: customer

April 02, 2026

Quality American Product, Fair Price

First off, the people are so friendly and helpful (plus real humans in the USA). Second, I feel I'm getting a quality product at a fair price. Third, the one time I made a claim, it was very easy and their follow through was timely. I highly recommend Prudent Pet Insurance.

Insurer: Prudent Pet

By: Margret

April 02, 2026

Very fair and efficient

Very efficient, fair and accurate claim processing

Insurer: MetLife

By: steve

April 02, 2026

Prompt reimbursements

Prompt reimbursements, quick customer response, very professional customer service agents.

Insurer: MetLife

By: customer

April 02, 2026

Very fast and covered the bill

Very fast and covered the bill

Insurer: MetLife

By: customer

April 02, 2026

Always happy!

MetLife claims processing are always prompt, no-hassle, and no-nonsense. I am always happy with my reimbursement totals! I recommend MetLife pet insurance to all my friends!

Insurer: MetLife

By: Emily H.

April 02, 2026

Great company

Sent in my bill and reimbursement paid with in 3 days.

Insurer: MetLife

By: Nancy Labrie

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