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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Trupanion a "World Class" & "First Class" Pet Insurance Company
Trupanion has been a great experience as to reviewing and paying the appropriate, reimbursement in a very timely manner. All explanations of what is covered and not covered is very clear. I also want to thank "Brad" located in Flushing, MI for his help re submitting 2 claims for further review. We have had Trupanion Pet Insurance for 2 decades covering 3 of our wonderful dogs over the years. With the great service we have experienced, we have recommended Trupanion to many friends and relatives over the years. Many of which, have also signed up with a "Great Company" - TRUPANION. We couldn't be more satisfied! Chuck & Roz Bottke - St Petersburg, FL and Fairlawn, Ohio
Insurer: Trupanion
By: Chuck Bottke
Painless experience
While the website for submitting claims is not intuitive, the mobile app is better and the overall process was easy. I spoke to a representative who helped me with the Claims process and it was processed in a timely manner. My only compliant is the rising cost in insurance premium across all providers.
Insurer: MetLife
By: Pet owner
I have been paying into Trupanion (2…
I have been paying into Trupanion (2 plans) for my dog since October 2025 and just submitted my first claim on 1/31/2026. My claim was denied because my dog had one UTI in the past and was treated once for diarrhea a year ago because it was written off as a preexisting condition. I cannot see how in any way this is right, and sincerely regret wasting all of these months paying into a company that basically feels has taken advantage of me as a customer. What a let down. I cancelled immediately. **Edit after Trupanion's response. $725 for nothing. No thank you.
Insurer: Trupanion
By: Lizzie Propst
So far it was easy to submit the…
So far it was easy to submit the invoice, I was kept updated with the process, and generally knew what was happening.
Insurer: MetLife
By: Robert Moorr
Quick and easy claim filing
I've had Pumpkin for two years but never filed a claim. Prior to filing I had a question and Customer Service responded to my email within 24 hours. Filing a claim was easy and it was applied to my deductible quickly no questions asked.
Insurer: Pumpkin
By: Jean
Great customer service
Great customer service, no hassle. Quick payment on a very expensive surgery.
Insurer: Pumpkin
By: Chris
claims
Recent claims are taking 10 weeks of review without any written explanations or updates to the pet owners. It is very stressful for the pet owners. I called them, and they said they are updating the systemand pet owners are suffering.I would not recommend this insurance to any pet owners until they change their processing time in a written statement.
Insurer: Pets Plus Us
By: asha
Affordable pet insurance
Affordable pet insurance. Claims are paid quickly and I like that you get to pick the coverage and payments you want. Makes things super easy, especially having more than one dog as they don’t all have the same sailers or needs. Definitely recommend.
Insurer: Spot
By: Cheryl Warn
I couldn’t find any information about …claims processing
I couldn’t find any information about the claiming process time and what I should expect. The reimbursement came very quickly.
Insurer: Spot
By: Abra Sonnanstine
OUTSTANDING PET INSURANCE!
MetLife is an amazing pet insurance! Sadly, I have tried a few pet insurances in the past and the other companies were either too expensive to keep or took an inconsiderable amount of time with receiving payments for a claim. I have now been a customer for MetLife for a number of years now and I am extremely happy I came across MetLife with their quality of business and attention they give to their customers! Thank you MetLife! ❤️🐾
Insurer: MetLife
By: Amber