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 02, 2026

Easy submission of claim

Easy submission of claim, quick response and quick reimbursement

Insurer: Trupanion

By: Ron

Verified January 02, 2026

Spot has met all expectations

Spot has met all expectations in regards to reimbursement and timeliness. I would highly recommend this company.

Insurer: Spot

By: Dorothy Whittier

Verified January 02, 2026

Fast and easy is the best way to…

Fast and easy is the best way to describe Pumpkin Pet Insurance. They can’t make it any easier to file a claim and get a check.

Insurer: Pumpkin

By: Boatmanles

January 02, 2026

It's a scam

It's a scam, as I learned after 6years of paying for coverage. My dog recently was diagnosed with a life-long eye condition that is diagnosed and treated by a vet in the office via regular exams, rechecks, and adjustment of medication. No lab tests, etc., are involved. Trupanion says they do not cover "exam fees" so the vet's initial diagnosis and all the subsequent rechecks throughout his life are not covered. The reply below from Trupanion is a distractor. I already had spent a great deal of time on the phone with different individuals who gave me the slow roll, very sympathetic sounding (like the reply), but never conceding anything that would cost them money.

Insurer: Trupanion

By: Don

Verified January 02, 2026

Fast Service

Fast and Easy process

Insurer: MetLife

By: Cath

January 02, 2026

Do NOT waste your money in this…

Do NOT waste your money in this company. It's a slimy and sneaky company that ONLY wants your money, and they care nothing about your pet. Basically you have to wait for your pet to have the same problem or sickness two times for them to start paying for vet bills. If your dog has different issues, and never repeat it, be prepared...

Insurer: Trupanion Canada

By: Carlos

Verified January 02, 2026

Submitted application and never heard…

Submitted application and never heard another word.

Insurer: Nationwide

By: customer

January 02, 2026

Lied to trick us into signing up, denied coverage

We asked very specific questions when deciding whether to sign up or not (will this cover exam fees? Dental?). After two separate claims were denied, I'm done. They found 7 different categories to make sure they denied EVERY penny, and after talking to customer service about how their policies are structured, and reviewing the paperwork, the business model is clear - lie to get you to sign up, because there are no consequences to lying. Then collect your money until you file a claim, which they will deny because basically nothing is covered. Then move on.

Insurer: Figo

By: Zach

Verified January 02, 2026

So grateful that I took a leap and changed…

I used to have another Pet Insurance for our fur-daughter for years. So, I confess that I was little nervous when I’ve decided to change and enroll her with Metlife Pet. But now, almost a year later, I am so glad I did! The Metlife Pet team have been always super helpful, claim processing has been easy and super straight forward. Have nothing bad to say about it, just the opposite. MetlifePet: Thanks for being there for us and for helping us to support our Dog Health! We are grateful to have you guys as part of our team!

Insurer: MetLife

By: a devoted dog mom

Verified January 02, 2026

It was a smooth

It was a smooth, simple process to submit the claim. The turnaround time was better than expected.

Insurer: Spot

By: Ginger Kidd

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