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 10, 2026

Heartbreaking Loss Made Worse by This Insurance Company

I would strongly advise pet parents to think twice before choosing Spot Insurance. When my beloved pet passed away, I expected empathy and support. Instead, I experienced delays, unclear communication, and a frustrating claims process during one of the most painful moments of my life. I had to repeatedly follow up, provide changing documentation, and push for basic answers while grieving. Pet insurance is supposed to provide peace of mind in emergencies and loss. This experience did the exact opposite. The lack of compassion and accountability was deeply disappointing. If you are buying insurance to protect your pet and yourself during difficult times, this is not a company I would trust. Losing a pet is hard enough. Dealing with this insurance made it harder.

Insurer: Spot

By: Nakul More

January 10, 2026

Pets Best

My friend who runs a rescue told me about Pets Best and referred me to her Farmers Agent - There are so many pet insurance companies on the Internet - I did my due diligence and I did a deep dive on all of them comparring them to Pets Best and in the end decided to give it a try, I have been extremely happy - I have sent in 2 claims so far and they were both paid promptly. I am very happy that I went with Pets Best + adding the Wellness package

Insurer: Pets Best

Veterinarian: Agoura Animal Clinic

By: Joni

Useful
January 10, 2026

Pets best is the best

Pets Best insures all three of my Boston Terriers, and has for five years. I am consistently impressed by the coverage offered, the ease of filing claims, and the responsiveness of customer service. I cannot recommend them highly enough.

Insurer: Pets Best

Veterinarian: All Creatures Animal Clinic

By: Rachel

Useful
Verified January 10, 2026

Satisfied

I appreciate the updates on the process. I had to speak with an agent regarding my submission, the agent was patient and knowledgeable.

Insurer: MetLife

By: customer

January 10, 2026

Excellent Service!

Pets Best helped me through a difficult time when my kitty was diagnosed with FIP. They processed claims promptly and reimbursed me for 90% of $10K in vet costs for treatment. I am grateful to them for helping me and Pacino who is now cured!

Insurer: Pets Best

Veterinarian: VCA Animal Hospitals

By: Debbie

Useful
Verified January 10, 2026

MetLife equals happy healthy pets

MetLife has always been a great help when I need them, whether it’s updating my information or submitting claims. They’re always ready to provide excellent service. MetLife offers a range of options, including preventive care and dental. MetLife has given me peace of mind, and I’m confident that they’ll be there to help if anything happens to my dogs.

Insurer: MetLife

By: customer

Verified January 10, 2026

Quick response

Quick response, ease of filing, quick payoff.

Insurer: MetLife

By: customer

Verified January 10, 2026

With having a sick pet you have enough…

With having a sick pet you have enough to worry about to get your “fur baby” well and the correct care. It’s a comfort to know that Trupanion is there for you and helps take more stress off when they are able to pay your coverages portion before you check out if your veterinarian has them set up for direct pay. I’ve been with Trupanion since 2008 and will be with them many more! I can’t say enough great things about everything they have done for me and my pets when I needed to take them to the vet and thanks to them have added quality years to their life with me. Thanks.

Insurer: Trupanion

By: Linda

January 10, 2026

Only the best for our furbaby

We have used Trupanion since our pup was a baby, and we’re very pleased with their responsiveness in paying claims and with customer support. We highly recommend Trupanion.

Insurer: Trupanion

By: Consumer

January 10, 2026

Terrible Coverage Near Quadrupling of Premiums

I've used them for my Welsh Springer Spaniel for years. When they denied my first claims more than 2 years ago, it was suspicious but I let it slide. Now I've been paying premiums every month, easy to forget on autopay, and in the last few months they nearly QUADRUPLED the premiums with minimal notice and no real explanation. Last straw was rejecting 3 out of 4 of my latest claims because they were just past an arbitrary 60 day time limit for filing. I would have been better off self-insuring for all the premiums I've paid. Don't do it.

Insurer: Embrace

By: Bruce Gilbert

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