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.

59,035 total


October 23, 2025

Relatively painless experience

Relatively painless experience. I never felt like I was fighting for payouts. Everything that should be covered was covered with minimal (if any) denials. Two issues that kept me from giving 5 stars: 1) annual rates skyrocketed over the life of the pet (understandable, but still sticker shock), and 2) payouts were often months after the fact. If you can financially weather that, then no problem, but if paying a bill and waiting several months for reimbursement would disrupt your life, you should maybe look elsewhere

Insurer: Pets Best

By: John

Verified October 23, 2025

Response to claims is quick and fair

Response to claims is quick and fair. It's a huge relief to know that I have the insurance and that the company keeps its word.

Insurer: Pumpkin

By: Diane Dowling

Verified October 23, 2025

Fast service

Fast service. Nice to have direct deposit for claims. Thanks

Insurer: MetLife

By: Gina and Pinto Bean

Verified October 23, 2025

Claims are received and acknowledged…

Claims are received and acknowledged quickly. Within a day or two they complete the processing procedure and you are notified. I have yet to have to give any additional information over a screen shot of the bill. Truly the best pet insurance I have ever had.

Insurer: Pumpkin

By: Karen

Verified October 23, 2025

Easy to submit vet bill

Easy to submit vet bill

Insurer: Pumpkin

By: Kathy

October 23, 2025

Great quick claim service

Great quick claim service. Received reimbursement of funds quickly!

Insurer: Embrace

By: Edgar Anderson

Verified October 23, 2025

Easy

Very easy platform and claims are completed in a timely manner. Pumpkin provides exactly what is promised.

Insurer: Pumpkin

By: Carol

Verified October 23, 2025

Best decision I ever made

The entire experience was so easy and reimbursement was so fast. This was truly a hassle free experience. I cant recommend this company enough.

Insurer: Pumpkin

By: Davin

Verified October 23, 2025

Process could not be easier

they always process the claims quickly

Insurer: MetLife

By: Donna Cox

October 23, 2025

Trupanion

The vets at Garden State take Trupanion as payment, all we had to lay out was the 10 percent. My dog had cancer and had treatment for over a year. They payed out over 65,000. Cancer finally took her. We have a new dog now and she is insured by Trupanion.

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