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 12, 2026

No hassle when it comes to submitting a…

No hassle when it comes to submitting a claim. Quick to respond and issue refund. This will be my second year with them and I couldn't be happier.

Insurer: MetLife

By: customer

January 12, 2026

Buyer Beware - Small Print Clauses

Buyer beware. Small print clauses. Wouldn't work with us on a pretty common sense issue regarding orthopedic issues in the first six months. She was limping a little after getting up but went away after a few steps so I took her in for a check. In the app, I picked limp/lameness from the drop down on the claim because there aren’t a lot of choices. They denied my claim for pre-existing orthopedic issues and said I can never use their insurance for any related issues in her life. She was never diagnosed with dysplasia or lameness. I got an $800 estimate for X-rays from the vet but not doing it because nothing will be covered. We tried talking to the insurance company hoping they would see this as an app triggered unfounded misunderstanding. They couldn’t understand what the issue was. This is a mutt puppy mind you and not a hip issue prone breed. Not getting another cent of my money and lucky I don’t try to collect the first couple months of premiums I wasted money on. Your reply about small print and fraud blow right by the point. It was obviously not fraud with a puppy and was never diagnosed anyway, just enough legal BS to keep making money and blame the consumer. I see more bad reviews than good so I am guessing you will fold or change names. I really wish there was a local office to visit.

Insurer: Embrace

By: Mark Prorock

Verified January 12, 2026

Trupanion makes doing best for your pet…

Trupanion makes doing best for your pet a reality. Their coverage is more full than other insurance plans where you have to read the fine print about what is covered and how often.

Insurer: Trupanion

By: Teri

Verified January 11, 2026

Definitely Worth It

After submitting my receipts, I quickly received reimbursement for my pup's medical bills.

Insurer: MetLife

By: Maddi

Verified January 11, 2026

I submitted 2 claims

I submitted 2 claims, and both were received and completed within a few days. This was impressive and very happy with the outcome. Money was sent directly to my bank while I was on vacation and made it very easy.

Insurer: MetLife

By: JOCELYN STELSON

Verified January 11, 2026

Fetch pet insurance app is easy to…

Fetch pet insurance app is easy to navigate and to send claims. They keep you informed as the claim is processed too.

Insurer: Fetch

By: Diane K

Verified January 11, 2026

First Claim With Fetch

Everything went exactly as it was supposed to. Great communication, pleasant people to deal with. Benefits paid were exactly as explained.

Insurer: Fetch

By: Gene Bach

Verified January 11, 2026

Long time customer, never a problem

Many years ago I was introduced to Nationwide Pet Insurance when it was offered through my employer. It is easy to make a claim and payments were always accurate and prompt. I just adopted a new pet and Nationwide is my insurer of choice. I trust them and would not insure my pets with anyone else.

Insurer: Nationwide

By: customer

Verified January 11, 2026

Good but takes awhile to start

I have heard great reviews on this insurance but it has been taking awhile for the insurance to get approved and started

Insurer: Nationwide

By: customer

Verified January 11, 2026

Have had very good experience so far…

Have had very good experience so far with Pumpkin. One big claim was reimbursed in 10 minutes, which was remarkable! Very nice, American, human customer service who knows their product. No complaints at all, they are fair, professional and prompt.

Insurer: Pumpkin

By: Happy Customer

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