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.
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No run-around, quick payouts, and little red tape
I was prompted to review Healthy Paws after my dog was treated in October of 2025, but I wanted to share my thoughts on Healthy Paws for all three dogs I've used it with. * It is very easy to submit bills by taking a photo on your phone and uploading it to the site. Most of the time, no follow-up or additional materials are required. When my old dog had emergency bloat surgery, I was afraid it wouldn't be covered. It was, and the subsequent issues were also covered. It made a very difficult time a little easier. * The payout method has improved. It used to take a few weeks, but now it appears to be about a week to receive reimbursement. * I really appreciate how easy the process is to submit a claim. Most of the time, there is no need to do anything else except wait for the reimbursement. * Healthy Paws is the only insurance company I've used for dogs so I don't have anything to compare it to, however I've maintained policies for three dogs since 2017 and continue to recommend it to other dog owners. I've had to make very tough decisions in the past and this takes the pain out of bringing your dog to the vet with an emergency situation.
Insurer: Healthy Paws
By: Holly
Claims are easy to submit and generally…
Claims are easy to submit and generally the settlement is quick. I am not fond of the way questions or disputes are resolved.
Insurer: MetLife
By: Oliver
easy to file a claim they get back to…
easy to file a claim they get back to you right away.
Insurer: Spot
By: virginia francis
MetLife Pet Insurance reimbursements
MetLife Pet Insurance has followed through with payments as promised and in a timely manner .
Insurer: MetLife
By: MARY MIRELES
Claims are rather quick resolutions.
Claims are rather quick resolutions. Customer service is awesome. THANK YOU!!!
Insurer: MetLife
By: Kathy Palumbo
Excellent customer service
Excellent customer service. Pre-estimates were returned in less than 30 minutes. Claims paid in about a couple days. It was quick and easy to get a live person to answer my questions. Representatives were caring, professional, and knowledgable. Highly recommend Pumpkin Pet Insurance.
Insurer: Pumpkin
By: Tracy Miller
Easy to file claims and quick payouts
Easy to file claims and quick payouts. What more could you want from your pet insurance company? Pumpkin is responsive when I have questions and give me peace of mind with having to instead 4 cats. I've already had to file 3 claims in the last year and the process was a breeze.
Insurer: Pumpkin
By: Sharon Tuccitto
Great experience!
My claim was processed in no more than 2 days, it was easy and I didn’t have to worry about reaching out for an update. It was a great experience knowing everything was taken care of and my money was in my account in a couple of days.
Insurer: Pumpkin
By: Maria Rivera
Claim Paid
When I got accident and illness insurance on my new puppy, I didn’t expect to have to use it so soon. She has had 2 hospitalizations for gastrointestinal problems with the last one requiring surgery. In both cases, no cause for the blockage was found. Pets Best paid exactly what I expected on both claims with no hassle. Muffin is on prescription dog food now so hopefully she won’t have any more digestive issues.
Doesn't actually cover anything.
I picked the more expensive policy that seemed to cover more for my cat, I thought it said it included pre existing conditions were included. She has been to a lot of vets to figure out what was wrong, and they just denied to pay anything.