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


January 21, 2026

Trupanion over uses the "pre-existing…

Trupanion over uses the "pre-existing condition" clause. They refused to cover any GI related issues for the rest of her life because we reported vomiting during our first vet visit after picking her up from the rescue. The vomiting was due to anxiety etc from being in a new home and no underlying "condition". Later in life she developed pancreatitis and this was not covered. Similar issue with my other dog who had a slight heart murmur when we first adopted. Any treatment for high blood pressure, heart failure, cardiologists etc was not covered. In addition the percentage of expenses they paid on covered issues shrunk dramatically over the 13 years we have been using them. Stay away. I will....

Insurer: Trupanion

By: hipshake

Verified January 21, 2026

Wonderful experience

Wonderful experience! My dog’s claim for an unexpected illness was paid in fewer than 10 days! The premiums are reasonable and the policy is very generous! Love this insurance!

Insurer: Spot

By: Anonymous

January 21, 2026

Work on app desperately needed

Pet's best really needs to work on their app and being able to upload invoices for claims

Insurer: Pets Best

By: Darlene

Verified January 21, 2026

Claim was easy to file and explanation…

Claim was easy to file and explanation of benefits was very thorough. Reimbursement was quick.

Insurer: Fetch

By: Christine

Verified January 21, 2026

You still did not review my other 2 claims!

You still did not review my other 2 claims!

Insurer: Spot

By: Barry Lafranco

Verified January 21, 2026

Pumpkin is the best

Pumpkin is the best. Filing claims is easy and the whole process is always fair. Getting pet insurance was one of the smartest choices I've ever made.

Insurer: Pumpkin

By: Charlie S

Verified January 21, 2026

Easy to use and understand

Easy to use and understand

Insurer: Nationwide

By: customer

Verified January 21, 2026

Easy to file a claim

Easy to file a claim, superb customer service

Insurer: Pumpkin

By: customer

Verified January 21, 2026

The process was quick and easy

The process was quick and easy. Everything was explained up front. The fact that you cover wellness visits is a plus

Insurer: Nationwide

By: Karla G.

January 21, 2026

Their website has been down for weeks…

Their website has been down for weeks now and no one is responding to my claims submitted via email. This appears to be a new, common problem as indicated by comments all over their instagram page and reddit posts.

Insurer: Pets Best

By: Jane

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