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


Verified February 17, 2026

Easy to file a claim

Easy to file a claim. Great rates for my pups health care.

Insurer: ASPCA

By: Wendy Turner

Verified February 17, 2026

Trupanion is so fast and easy

Trupanion is so fast and easy! I submitted a claim and they paid half and it only took 24 hours to get the claim!

Insurer: Trupanion

By: Brooke

Verified February 17, 2026

Helps in the time of need for your pet.

They answered right back when I contacted them. They were fast in processing the claim and really they were really great. It’s just the first time having pet insurance. I thought we would have been covered just a little bit more. It takes time to learn everything. It was nice not having to pay that whole amount. I just learned when we’re actually paying for it at the vet, we could also get reimbursed for the claim at the same time.

Insurer: Trupanion

By: Theresa Ganse

Verified February 17, 2026

Trip to the ER on Valentine’s Day

It’s Valentine’s Day weekend, the last thing I was thinking about was needing to use the insurance I purchased for my new puppy, 7 months ago! But here I am, in a panic at the ER bc, my sweet little 10 month old Yorkipoo, Ginger is having GI upset since 5am. But lucky for her, she’s got a mom who purposely knew there would be days like today! The bright spot was when the receptionist said, you have Trupanion, that’s the only insurance we accept, I’ll take care of everything! 10 mins later..she handed me an estimate of cost that showed what was covered, to my surprise it was more than half of the bill. Thanks to Trupanion, my little girl received the best care and I still received a Valentine’s gift!

Insurer: Trupanion

By: Jennifer

February 17, 2026

Easy to use, quick for reimbursement

Very easy to file claims. Customer service, when I have used them, is helpful and responsive. Claims can sometimes take a bit of time, but they always do a good job of communicating what might be slowing the process down. Reimbursement is seamless too!

Insurer: Pets Best

By: Mace

February 17, 2026

Mediocre

While I did not have a negative experience, Pets Best takes an exceeding long time to process claims, and I still have not received my payout from my most recent claim. I also don't like that the EOB gives you minimal information to figure out questions regarding your claim

Insurer: Pets Best

By: Austyn Stone

Verified February 17, 2026

Quick and painless

Met life was fast and accurate.

Insurer: MetLife

By: Barb Gettel Personal

Verified February 17, 2026

Emma’s Vet bills - Diabetes/Other

MetLife Pet insurance has been highly supportive and has reimbursed me for many Vet visits over the last few months. As my best friend (Miss Emma-Yellow Lab) was diagnosed with Diabetes as 10 year old dog recently. Most importantly, the exams and treatments can get expensive; I am relieved to have a strong partner and that can help improve Emma’s quality of life; and I can get financial help to cover a significant portion of Emma’s Vet bills . Thank you ❤️.

Insurer: MetLife

By: Scott W

Verified February 17, 2026

Great plans at a good price

As a household with multiple pets, having Spot insurance has been invaluable in being able to provide the care our furry companions deserve. The variety of coverage options allowed us to tailor multiple plans that are just right for us. It pays to take the time to explore all the different coverage options. We really like that Spot includes coverage for some regular preventative care treatments. When it comes to submitting claims, the process is straightforward and fast, we found it best to convert documents to .PDF when we upload them. We were pleasantly surprised by how quickly we received our reimbursement. Also, any questions we had were addressed promptly and thoroughly, providing us with peace of mind and confidence in Spot.

Insurer: Spot

By: Anthony Stampul

Verified February 17, 2026

There was no hesitation on reviewing my…

There was no hesitation on reviewing my claim and got a response within a few days. Great work

Insurer: MetLife

By: Abram

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