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 11, 2026

I’m thrilled with my insurance coverage…

I’m thrilled with my insurance coverage for Molly. I always get something, which makes me so happy

Insurer: Spot

By: Lori Moran

Verified January 11, 2026

Easy to use

Easy to use, payment sent quickly!

Insurer: MetLife

By: customer

Verified January 11, 2026

4/5 still very good

Your team requested the SOAP notes but when it was provided by me, the VET wrote down on the SOAP notes that they provided it already to you before your request. Outside of that - no issues. Friendly people.

Insurer: MetLife

By: Customer

Verified January 11, 2026

I am very happy I chose SPOT insurance…

I am very happy I chose SPOT insurance for my beloved dog. I had my first experience submitting a claim. It was a great experience. As expected, I needed to submit the receipts for the veterinary treatment provided. Once I did not, within a couple of days SPOT deposited the money owed to me in my bank account. Happy customer!

Insurer: Spot

By: Nancy Crosby

Verified January 11, 2026

My experience signing up was great due…

My experience signing up was great due to the experience we had with Rebecca answering our questions. It's too early to rate my claim experience because i have not needed to file one. Hoping that will go smoothly when I need them.

Insurer: Prudent Pet

By: Pat

Verified January 11, 2026

Prompt and accurate

Prompt and accurate, never have to think twice about my claims and service is excellent!

Insurer: Trupanion

By: Mel

Verified January 11, 2026

Spot has been wonderful and timely

Spot has been great, fast and speedy with reimbursements. They have been amazing also with estimates in billing as well.

Insurer: Spot

By: Kj

January 11, 2026

Avoid, did not process legitimate claim

Avoid, did not process legitimate claim! I purchased a policy for my puppy, and 7 days later he became ill due to eating something he shouldn’t have. By their definition, this is classified as an “injury”. However; they rejected my claim due to the 30 day waiting period for illnesses. They did not even bother to investigate the cause of his case, which they admitted. Our pets are part of our family, and I wouldn’t want to partner with an insurance provider who, either doesn’t do their due diligence, or instinctively tries to find a reason to reject claim. We have insurance for peace of mind and trupanion did not provide that. Perhaps you should rename yourselves to falsepanion.

Insurer: Trupanion

By: Jerome Reyes

January 10, 2026

Multiple positive experiences

The whole process from signing up to filing claims is simple. Pet's Best does everything in a timely manner and I appreciate their attentiveness to my insurance needs.

Insurer: Pets Best

By: Lisa

Verified January 10, 2026

Pet insurance will give you the piece of mind that you are doing the best you can for your pet!!!

I have not ever had pet insurance before getting this policy for our cat Bob when we rescued him from a local dump where he had been thrown away at 5 weeks old. As he grew I had a feeling he would need help and so I got this policy. Pumpkin has made it possible for me to save him after being attacked by a Bobcat only 15 feet from our back door. Pumpkin has been quick in evaluating our claims and paying them so we can continue to have Bob be treated of his extensive injuries. I am retired and have always had animals but with retirement comes a fixed income and without this coverage Bob would not have been able to be treated as his bills are going to reach our policy limit very soon. I suggest that anyone who thinks they will never need this has to ask themselves this question: when I have to put financial decisions above my pet's welfare will I think that monthly premium was worth it? Just do it and rest assured this company has your back.

Insurer: Pumpkin

By: Robin Easley

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