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 January 31, 2026

We incurred some expenses on one of our…

We incurred some expenses on one of our pets that was unexpected this past year and Pumpkin was there to make sure our dog could have the care it needed. Extensive surgery and we paid a deductible and was reimbursed the difference. Excellent company

Insurer: Pumpkin

By: Ruth Blanton

Verified January 31, 2026

Figo came through when our dog got sick

We have had Figo for our Havanese Poodle mix since we got him as a pup. We had never had to make a claim until our dog Asher, now age 7, suddenly developed a scary autoimmune disease that caused his platelets to plummet (ITP). Asher had to be hospitalized for several days and needed a blood transfusion and various other medical procedures. The hospital bill for him was significant and so we filed our first set of claims, hoping Figo would come through. We have been so happy with their service! They covered substantial portions of the claims in a timely fashion. Once the claim is processed, the money is deposited right into our accounts. We are so grateful that we chose Figo when Asher was a puppy. It has given us tremendous peace of mind knowing that we were able to do everything possible to save his life. I’m happy to report that Asher is being weaned off of his meds and is doing very well. Figo continues to cover the ongoing costs.

Insurer: Figo

By: Ismary

January 31, 2026

My first claims ever

I had some questions about my claims so I called the Claims department. The rep named Veronica was awesome. Very knowledgeable and fast when answering all my questions. The experience was extremely positive. I would recommend the company to anyone if my first interaction is the standard. Very grateful. And my claims were process efficiently and fast. Thank you.

Insurer: Embrace

By: Maribel Johai

Verified January 31, 2026

Claims are easy to submit and…

Claims are easy to submit and reimbursement is FAST!

Insurer: MetLife

By: customer

Verified January 31, 2026

Fabulous pet insurance

Got my claim resolved in a short time. Customer service rep very courteous and answered my questions.

Insurer: MetLife

By: Susan

Verified January 31, 2026

Easy submission of claims and quick…

Easy submission of claims and quick processing. Rates are reasonable. Highly recommend.

Insurer: MetLife

By: J & M

Verified January 31, 2026

I have no experience with pet…

I have no experience with pet insurance, so when my puppy broke her elbow and needed surgery I was unsure how the claim process would go. I'm pleased to say that it went very well. Working with Spot and submitting a claim was very easy.

Insurer: Spot

By: CHERYL FARRELL

Verified January 31, 2026

MetLife has excellent coverage

MetLife has excellent coverage. I took my cat to our vet, submitted my claim ( which was very easy) and was reimbursed very quickly. Well worth it for me. I have 2 cats.

Insurer: MetLife

By: Karyn

Verified January 31, 2026

Thank you.

They are prompt with reimbursements after my submission of invoices and prescriptions that qualify under my insurance plan. My dog is living her best life and care choices are simplified with less stress.

Insurer: Pumpkin

By: Laura

Verified January 31, 2026

Expensive but worth it!

Honestly, was thinking of dropping our insurance due to it being expensive and a little too much for our budget. But, boy, am I glad I didn't cancel! Our fur baby required emergency surgery for a bowel obstruction. The total was going to be $8000 , and the hospital wanted at least half up front. Without Trupanion I don't know what we would have done. Within 20 minutes of the hospital contacting them, 90% of the bill was paid!What a relief in a very stressful situation!

Insurer: Trupanion

By: Jodi R

Compare top pet insurance providers plans.