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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Unexpected MRI expense
My dog Eddie developed spinal pain and needed an MRI. The veterinary hospital was able to get my claim approved in just a few minutes and directly paid for. I didn't have to submit anything myself. I didn't have to wait on a claim or refund, I just paid the hospital the remainder of what I owed for my deductible. It was very convenient.
Insurer: Trupanion
By: Jennifer
Truly grateful
I am truly grateful for MetLife Pet Insurance. From the beginning and all the way until my pet passed away, they supported me during one of the hardest times of my life. Their coverage and guidance helped ease the financial stress, allowing me to focus on loving and caring for my pet until the very end. The claims process was clear. I highly recommend MetLife to any pet parent who wants compassionate and reliable support.
Insurer: MetLife
By: Ismaray Cespedes
Mixed feelings
The most frustrating bit has been their flaky claim system. Cannot submit claims via the app or website. Always something with their azure platform. Have to email it and then you get "incomplete" claim returns and with no way knowing what the claim was about because the previous attachment didn't register so have to be very meticulous what and when you submit things. I really wish they would spend time fixing this. Had a recent pet emergency and required hospitalization and it's been two weeks and still no acknowledgment on some claims. Phoned and they told me to be patient. Emails sent to claims never respond in our experience. For past claims we are happy with the service; can't fault them. Co-pays etc exactly as per policy and I give them 5/5 for when it does work. Unfortunately have to mark them down for the long claim delays and recent issues with their systems. At least acknowledge there are issues and notify users in the app or website. It takes time to prepare the claims and when it times out without any warning and time spent on it was a waste, It's absolutely infuriating in this day and age. If you know there are issues act on it. Whoever is managing your IT systems, website or apps they need a kick up the ass.
Insurer: Pets Best
By: werner van zyl
The ease of knowing our pet is covered…
The ease of knowing our pet is covered with this great ins and to pay us directly back and the process is easy to do from your phone and claims are processed fast . We are so happy that we have this ins for our pet .
Insurer: Spot
By: Lori Snipes
Spot Pet Insurance was incredibly easy…
Spot Pet Insurance was incredibly easy to use through their app. I had to pay $2,100 in veterinary bills due to complications from my dog giving birth. I submitted everything directly from my phone and was reimbursed within a week. I highly recommend Spot and would absolutely recommend it to friends and family.
Insurer: Spot
By: Ed B
Although I had issues using the app to…
Although I had issues using the app to complete my claim, it was easy and completed quickly
Insurer: Spot
By: Rene Kubas
Minor Issues, but All Good
We switched our Pet Insurance because the monthly premium is much more affordable than the previous one which we like because we have three rescue dogs and they're all seniors. Only one thing it bothered was they have made mistakes twice already about our claims. One was they sent us a totally wrong person's claim review and the other was calculation of reimbursement was wrong , so we had to ask to fix. A few issues, but was fixed immediately and we are happy with Metlife.
Insurer: MetLife
By: K.D.
Very happy with my experience!
I always get a response for my claims. Customer service is excellent and reimbursement is always as expected with our coverage. Very happy with my experience!
Insurer: MetLife
By: HZ
1/2026 Pumpkin has been a great choice…
1/2026 Pumpkin has been a great choice for our family. Our baby had TPLO surgery, a very costly procedure and Everything was handled quickly and efficiently and they really come through! I would recommend Pumpkin Pet Insurance to everyone! Pia Parsons and Zoey
Insurer: Pumpkin
By: Pia
Every call and e-mail gets a helpful…
Every call and e-mail gets a helpful response. Claims are handled quickly and are well aware of what is covered.
Insurer: Trupanion
By: Michele