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 13, 2025

Over the web to submit claim is easy…

Over the web to submit claim is easy and convenience. Claim is review and done on time. Fast submitting payment through direct deposit is great. Save time and redundant paper work.

Insurer: Spot

By: Siu Lo

Verified November 13, 2025

Healthy Paws for the Win

Submitted the claim and I had a check in 2 days. The coverage is wonderful. Worth every penny!

Insurer: Healthy Paws

By: Erika

Verified November 13, 2025

Healthy Paws Pet Insurance…when you want the best

I have had pet insurance with Healthy Paws for eight years: ever since my cats were two weeks old. I can't begin to tell you how supportive they have been. Their insurance covers what they say it does, and doesn't cover what they say it doesn't. They process claims immediately: often the same day they are submitted, which is so very helpful when you have a medical emergency. Healthcare expenses build up quickly and the professionals providing those medical services want payment immediately, so quick claim processing is vital for your own financial wellbeing and the pets you cherish so much.

Insurer: Healthy Paws

By: elly

Verified November 13, 2025

Priced constantly changing and so hard…

Priced constantly changing and so hard to get claims approved when they are not for preventative but rather illness or injury

Insurer: MetLife

By: customer

Verified November 13, 2025

Very happy with Spot

Very happy with Spot Easy to get claims reimbursed Very clear about what's included or not in plan

Insurer: Spot

By: Jonathan

Verified November 13, 2025

Spot responded quickly with clarity

Spot responded quickly with clarity. Once I met the deductible, Spot fully reimbursed us. We are grateful and appreciative to have this service available.

Insurer: Spot

By: Michael Dimaggio

Verified November 13, 2025

thankful for this service,

just so thankful for this service, Every claim return is complete and self explanatory

Insurer: Healthy Paws

By: Ronald Wyman

November 12, 2025

Honestly this is a waste of time and…

Honestly this is a waste of time and money. We have had insurance with trupanion for 8 years. They have covered so little of the two emergency medical claims (both claims under $1000) we have needed to make and the increased in how much we pay a month is horrendous (have more than doubled) over the years. I would recommend if you get a dog just open a savings account for unexpected costs instead of something as pathetic as this "insurance". It is a joke. I will never be using trupanion again for future pets and will strongly discourage anyone considering it in the future going with them.

Insurer: Trupanion Canada

By: kristiina Wood

November 12, 2025

Every time I submit a claim

Every time I submit a claim, it takes longer and longer. The average is 7-8 weeks. This last one is going on 3 months. The claim was first submitted in 3 weeks after the visit. Met Life claimed they received a blank form from me. Did a human see this and contact us? No, that accounted for 3 week delay. Three mistakes where made costing a total of 8 weeks. Finally the claim was settled and it took 9 days for it to get into the mail. Note, the email they had on file was not ours. The email link was for payment type (Mail or direct deposit). I would drop this company in a minute if my 13 year old dog was healthy. Most companies do not insure animals with pre-exiting conditions. So I am stuck. It is either this or no insurance. I do not recommend this insurance company. Look elsewhere.

Insurer: MetLife

By: William Gross

Verified November 12, 2025

Easy to file a claim and a fast process…

Easy to file a claim and a fast process to complete.

Insurer: Spot

By: Mrs Haiying Tu

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