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 06, 2026

Fast review of claims and reassuring!!

Fast review of claims and reassuring!!

Insurer: Spot

By: Sara Sickels

Verified February 06, 2026

Trupanion is so very responsive

Trupanion is so very responsive. My 4 yr old was diagnosed with IMHA. They turned the approval around for his treatment so quickly. The staff is awesome also!!

Insurer: Trupanion

By: Angela Ciampi

Verified February 06, 2026

Surprised at what is not covered

I was pleased at how quickly the claim was processed at vet office. However very surprised to find that pre op labs and imaging necessary for my dog’s surgery w ere not covered by the insurance.

Insurer: Trupanion

By: Priscilla

Verified February 06, 2026

Everytime I file a claim I have to…

Everytime I file a claim I have to submit an appeal. They never fully read the paper and draw the conclusion that my dog has a chronic condition so when I get blood drawn its not for funsies

Insurer: MetLife

By: Essence

Verified February 06, 2026

Fast and convenient

Fast, convenient claims processing! When I did have a hiccup, it was easy to get a hold of their customer service line and get it fixed. Got my payout 2 days later!

Insurer: Fetch

By: Anastasia

Verified February 06, 2026

The process was quick

The process was quick. I’m thankful the team reached out to the vet for additional information and I didn’t have to do it. EOB assists with understanding the payment amount. 2 of my dogs were sick and I filed 2 claims within days and was so appreciative that the claims were processed quickly.

Insurer: MetLife

By: customer

Verified February 06, 2026

Trupanion has been insuraning my pets

Trupanion has been insuraning my pets. My sweet older dog has cancer but recently they ingested toxins. Not good. I do notice I have to watch carefully because the computer system does not realize what is the problem most times.

Insurer: Trupanion

By: Gail Marshall

Verified February 06, 2026

Easy to file claim

Easy to file claim

Insurer: Fetch

By: Shirin

February 06, 2026

Very disappointed

They were very fast paying our first bill but now they keep asking for more paper work from our Vet. I have sent ALL the paperwork our vet has on Otis, he is only 1 and this is our second claim. I have sent in the paperwork 5 times. We are about to cancel this!

Insurer: Fetch

By: Pat

Verified February 06, 2026

Trupanion paid the pet hospital directly

Trupanion paid the pet hospital directly and they did it fast. Having my fur baby taken care of without worrying about an expensive bill was very comforting. I highly recommend Trupanion to my friends and family.

Insurer: Trupanion

By: Nickie

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