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 10, 2026

Claims were processed in a timely…

Claims were processed in a timely manner and reimbursement deposited quickly.

Insurer: MetLife

By: Valerie Ruff

January 10, 2026

My agent did a great job and explained…

My agent did a great job and explained everything to me-what is covered and how to get reimbursement. She took her time and was very informative

Insurer: Fetch

By: Wendy Fowler

Verified January 10, 2026

Not reimbursed correct amount

The turn around time to process the claim was quick however the amount reimbursed to me was not correct. I contacted Spot to ask about the discrepancy and still have not heard back. Though it wasn't a large amount, if this is the general practice than I may think about covering our pets elsewhere.

Insurer: Spot

By: Katrina K

Verified January 10, 2026

It was so easy to submit claim and…

It was so easy to submit claim and refund came fast .

Insurer: Fetch

By: Siiri

Verified January 10, 2026

Healthy Paws claims processing

Healthy Paws processes claims very quickly I’m very happy with them

Insurer: Healthy Paws

By: Linda

Verified January 10, 2026

Reimbursement easy and quick.

Reimbursement easy and quick.

Insurer: MetLife

By: customer

Verified January 10, 2026

I can’t say enough about how thankful I…

I can’t say enough about how thankful I am that we enrolled our new puppy in Trupanion. Never excepted to have to use it, but 10 days having her home she had an accident and ended up with a broken leg. Surgery is going to be required and the peace of mind that we only are required to pay our deductible is such a relief during this already difficult time. We have had dogs for the past 30 years and never felt we needed insurance. Our puppy came with insurance and I thought what could it hurt to sign her up! Thank goodness we made the decision! Life brings unexpected turns and I’m so thankful for Trupanion during this one!

Insurer: Trupanion

By: Felicia Pettit

Verified January 10, 2026

MetLife Pet insurance is easy to use

MetLife Pet insurance is easy to use. The refund process is streamlined, and the review of invoices does not take a long time. I am happy with my experience. They email me updates and have covered everything I have needed for my pets.

Insurer: MetLife

By: Laura J

Verified January 10, 2026

Good Luck Getting Your Claim Approved

95% of the 20+ claims I've submitted were erroneously rejected by AI. EVERY one of them required 1-3 phone calls to have them finally accepted with the information I had originally given, except one, which required a photo of the prescription in the box to ensure it was for my dog and included his name. One hair-pulling experience required THREE calls to customer service, each one agreeing with me that the rejections were unwarranted. What the plan covers is great. So is their customer support. Getting the claims reimbursed is quite a different story. If this is an example of how well AI works, the world is in BIG trouble!

Insurer: MetLife

By: Elissa Dellosso

Verified January 10, 2026

Nationwide is the best pet insurance

I have my dog insurance with Nationwide and I have never had any problem with getting my claims processed. My dog had to have surgery when I was on vacation and they were great walking me through that.

Insurer: Nationwide

By: Kristi Smith

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