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 18, 2026

Good communication

Good communication. Responded timely to wellness claim.

Insurer: Spot

By: Kelly Werner

Verified January 18, 2026

You get what you pay for

You get what you pay for and my rescue, now 11 years old, deserves the best care that I can afford. Metlife offers an all encompassing program from prevention to treatment to saying goodbye for pets you love. I trusted them with my first service dog and I trust them with this one. I've had to increase the co-pay to afford the monthly payments this year, but I am still able to ensure the best care for my senior dog as she ages. The time lapse between filing a claim and getting reimbursed can be stressful on a tight budget, but for me it's worth it knowing my dog always gets the care she deserves.

Insurer: MetLife

By: Carolee

Verified January 18, 2026

All of my questions were answered

All of my questions were answered. Great app for keeping up-to-date on reimbursement process. Extremely fast reimbursement—less than a week. Very grateful I chose MetLife.

Insurer: MetLife

By: customer

Verified January 18, 2026

Very quick turn around

Very quick turn around - claim approved and am expecting my check in the mail.

Insurer: Spot

By: Anthony

Verified January 18, 2026

Incredibly Helpful

Trupanion has been incredibly helpful in every inquiry I made when deciding on a provider. We have had zero issues with claims, they are very easy to decipher and pay outs are very quick. I appreciate this team!

Insurer: Trupanion

By: Jay

January 18, 2026

Outstanding support during the hardest time

Pets Best was truly phenomenal during one of the most difficult moments of my life. Sadly, my dog passed away, but throughout everything, they were incredibly supportive, compassionate, and professional. They helped cover the costs of multiple surgeries and vet visits, which made an overwhelming situation so much more manageable. The claims process was clear and fair, and their support gave me peace of mind when I needed it most—allowing me to focus on my dog instead of financial stress. I’m deeply grateful for how Pets Best handled everything with care and respect. I highly recommend them to any pet owner looking for reliable insurance and genuine support when it matters most. Thank you, Pets Best, for being there when it truly counted. ❤️🐾

Insurer: Pets Best

Veterinarian: VCA Animal Hospitals

By: Bruno

Useful
Verified January 18, 2026

Bladder Stone Surgery

My dog was taken to an emergency veterinarian hospital for urinating blood. After a through exam, it was determined that her bladder stones are now causing her frequent urination, blood in the urine and pain. Surgery was the only option. I put the ER visit through Trupanion and the claim was accepted immediately and a large portion of the bill was covered. Two weeks later, Swiffer underwent a surgery to remove the bladder stones. Trupanion gave me a quote as to how much my insurance would pay toward the total bill. I have never had another pet insurance company, and after this experience I would never want one.

Insurer: Trupanion

By: Helen Shasa-Rotile

Verified January 18, 2026

Easy and simple claims submittal

Easy and simple claims submittal. Fast payment.

Insurer: MetLife

By: customer

Verified January 18, 2026

Great claim experience!

Spencer had liver surgery 18months ago He has gone back every 6 months for follow up scans, The claim press been very quick and easy, from his surgery ro follow ups, I have had no issues.

Insurer: Trupanion

By: Ulises

Verified January 18, 2026

To quick to deny claims

To quick to deny claims. Processing time seems long.

Insurer: MetLife

By: customer

Compare top pet insurance providers plans.