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.

62,907 total


February 18, 2026

Very positive experience with multiple claim submissions

I submitted multiple claims on vet treatments for our two dogs, all at the same time. I was satisfied with how all the claims were handled: easy submission, great communication and reasonable processing time.

Insurer: Pets Best

Veterinarian: Spring Valley Veterinary Clinic

By: Ben

Useful
Verified February 18, 2026

MetLife is easy to use

MetLife is easy to use. You just upload the invoice and doctors notes and they get back to you within weeks with a deposit that goes right into your account once approved.

Insurer: MetLife

By: customer

Verified February 18, 2026

A little more info.

Doesn’t really explain how to submit my se claims.

Insurer: Pumpkin

By: Christy Eads

Verified February 18, 2026

Past experiences have been positive

Past experiences have been positive. Reimbursement ha not taken too long. Waiting to be reimbursed once again. Hopefully, vit will be just as quick. We’ll see!?!

Insurer: MetLife

By: J. Pardo

Verified February 18, 2026

First claim

First claim: immediate response with a check. Second claim: nada. Impressed then disappointed. Have been sending statements but no action from Spot, ( except the insurance premiums are paid - by me!

Insurer: Spot

By: Joan Gualdoni

February 18, 2026

Do not recommend

I am extremely disappointed with Trupanion. I spent over $12,000 in veterinary bills for multiple, serious and separate issues, and every single claim was refused. Not one was covered. What has been most frustrating is that it genuinely feels like the claims were never properly read or reviewed. Each time, a new excuse was given to avoid paying, rather than actually looking at the medical notes and circumstances of the claim. At a time when I was already under huge emotional and financial stress with my dog, dealing with Trupanion only made the situation worse. I paid for pet insurance to have support when something truly went wrong — and I received none. Based on my experience, I would not recommend Trupanion to anyone who expects real support when they actually need to make a claim

Insurer: Trupanion

By: Lilli Smith

Verified February 18, 2026

Vet visits are tolerable now!

I live in a tight budget, however when it comes to our dog’s wellbeing, we make sure he is taken care of. We were hit with all his vaccinations in Feb, so it was nice to receive money back to offset those expenses! Reimbursement was fast and convenient! Thanks again!

Insurer: MetLife

By: customer

Verified February 18, 2026

Great customer service!

Great customer service! Easy to navigate the website and quick reimbursements on claims.

Insurer: MetLife

By: Angela M.

Verified February 18, 2026

The BEST coverage EVER!!!

The immediate response to approve my kitty's procedure made me speechless and so grateful. I didn't realize how much coverage I had and Trupanion responded in under 30 seconds so we could move forward. It was a relief for me to have this additional coverage and can say that it is 100% worth it.

Insurer: Trupanion

By: Kelly

Verified February 18, 2026

Price and coverage

Price and coverage

Insurer: MetLife

By: Richard Detaranto

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