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.

60,345 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

Verified April 02, 2026

Expedient refunds on claims

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

Insurer: MetLife

By: customer

Verified 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

Verified April 02, 2026

Good communication on the status of my…

Good communication on the status of my claim.

Insurer: Fetch

By: Monica

Verified April 02, 2026

Wonderful first experience with pet…

Wonderful first experience with pet insurance. I hadn't bought it for my previous pets, but I finally did for my rescue bulldog because I knew he could have some costly expenses throughout his life. I did some research and ultimately chose ASPCA because of other peoples' good experiences and their fair rates (as I'm on a budget). They process claims quickly, pay fast, and I haven't had any bad experiences so far. I recommend!

Insurer: ASPCA

By: Lauren Valko

Verified April 02, 2026

Very down to earth user interface with…

Very down to earth user interface with clear and honest breakdown of coverage for optimal customization. Grateful to have came across you.

Insurer: Sonnet

By: Yutong Ge

Verified April 02, 2026

Easy to use

Easy to use, the quote was great and the functions fine just having trouble accessing the bonus that came with the insurance (Telus virtual doctor) didn't receive a code or e-mail for how to set it up.

Insurer: Sonnet

By: Javone Stephens

April 02, 2026

Worth it!

Honestly, because I opened the policy so soon to my cat getting injured I was only anticipating the claim going toward my deductible, if it was accepted at all. But it was! The process was very easy. I've had a house full of cats over 20 years. This is the first one I thought I should get insurance for. It's already clear I made a good choice, not only with the insurance, but also with the provider I picked. Thank you!

Insurer: Pets Best

Veterinarian: Susquehanna Veterinary Clinic

By: Jon

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