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 04, 2026

Definitely for your pets medical needs!

Met life has been wonderful! Their claims are easy to file and I get my money back within a few days! This is the company to use for your pets medical needs.

Insurer: MetLife

By: Stacy

February 04, 2026

Long lead times and c+ coverage …

Claim took a long time and restriction on claim I would call what our insurance covers a c+

Insurer: Pets Best

By: Shell

February 04, 2026

Useless insurance

Useless insurance. A complete waste of money. I met the deductible 2 years in a row and every claim has been denied. The claims (which were not pre-existing conditions) ranged from vet annual visits, vaccines, office visits, urgent care, emergency room and in patient hospital. Not one submitted has been covered. If you have a pet or pets enrolled with Nationwide pet insurance, save your money and frustration and cancel it. This is coming from someone who is in the insurance industry selling all types of medical and health insurance for 25 years.

Insurer: Nationwide

By: Kristine Eidher

February 04, 2026

Never had a problem being reimbursed…

Never had a problem being reimbursed for what my policies cover. Premium is quite expensive and increases every year. But I think it's the same for every insurance company. Easy to fill out claims, but it would be easier if they could be done directly from the vet. It takes longer than I would like to get reimbursement. Almost impossible to talk to a real agent when you call. Doesn't cover Physical therapists who are not working at a vet office.

Insurer: Fetch

By: Caroline Le Bel

Verified February 04, 2026

Very timely processing of my claims

Very timely processing of my claims Thank you.

Insurer: Spot

By: Laura

Verified February 04, 2026

easy to submit claims

easy to submit claims. Very fast to get processed and claim completed.

Insurer: Spot

By: Matt Cook

Verified February 04, 2026

Very responsive and paid quickly with…

Very responsive and paid quickly with this claim. Appreciate it.

Insurer: Pumpkin

By: Erica S.

Verified February 04, 2026

I had to take my young corgi Bella to…

I had to take my young corgi Bella to the emergency vet Sunday because she ate a foam letter toy. I called as soon as I arrived to get my number and was extremely pleased how quickly I was helped. I clinic sent in for the pre approval and everything went through. Very helpful and friendly people working the phones.

Insurer: Trupanion

By: Loretta

February 04, 2026

Easy to work with and compassionate

I have had this insurance for my 2 dogs for about 3 years. my Bernese Mountain dog had 2 CCL surgeries back to back last year and Figo was so easy to work with and file a claim. We had no issues at all. Then my Bernese was struck with a rare, aggressive cancer and we lost her 2 weeks ago. Figo not only paid for all our claims but also sent a lovely sympathy note when I reached out to cancel her policy.

Insurer: Figo

By: Laurie Kresl

Verified February 04, 2026

12 years and Satisfied

I’ve been with this company for 12 years now and have never had issues. The claims are super easy to file and the quickness of the money being returned is extremely quick.

Insurer: Healthy Paws

By: Simone Dixon

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