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 December 14, 2025

Very uncomplicated and as promised

Very uncomplicated and as promised

Insurer: Fetch

By: Helena

Verified December 14, 2025

Best Decision We Made!

We got MetLife pet for our younger dog that had not had any health issues after having to pay out of pocket for our older dog more recently. Best decision we ever made! MetLife offers a discount through my work and we couldn’t be happier with the service. Our dog unfortunately has had two TPLO surgeries in less than a year and having them reimburse use for what we would normally pay completely out of pocket has been a godsend

Insurer: MetLife

By: Stacey

Verified December 14, 2025

Prompt and timely matter in reviewing…

Prompt and timely matter in reviewing claims. Totally satisfied with the service. Thank you.

Insurer: MetLife

By: customer

Verified December 14, 2025

Pumpkin paid both my claims

Thanks pumpkin. They have paid 90% of my claims after my 500.00 deductible. No issues whatsover. They paid me back a little over 1100.00. I have the unlimited plan with 90% payout. My cat had watery diahrea that wouldnt go away for over 2 weeks and then a few months later some urinary issues, pain and not feeling well. Pumpkin paid 90% for xrays, ultrasound, bloodwork, antibiotics, pain shot, and 3 visits. I am very satisfied. I just hope my rates don't skyrocket. All i had to do was upload vet invoices and give a brief description of what was going on. First claim was approved in 3-4 days, 2nd claim took a week probably due to backlog over Thanksgiving. My boy is 9 and i pay about 80.00 a month

Insurer: Pumpkin

By: Adam

Verified December 14, 2025

Good pet insurance company

Good communications, quick turn around for reimbursement.

Insurer: MetLife

By: sg

December 14, 2025

Easy Reimbursement was swift

Easy Reimbursement was swift

Insurer: Pets Best

By: Susan

Verified December 14, 2025

Excellent pet insurance - 5 Stars

Excellent insurance for my cats and rapid turn around for reimbursement!! I’ve had other pet insurances for other animals in the past and Pumpkin by far is the best!!

Insurer: Pumpkin

By: Suzanne Cissna

Verified December 14, 2025

Twice I had to call because they messed…

Twice I had to call because they messed up my claim. I have the best coverage at 90% covered and twice I had to fight they claim.

Insurer: MetLife

By: Lorraine Deehan

December 14, 2025

Where are my reimbursements?

I have four claims in beginning on November 5 and still have not received any reimbursement of my Veterinary bills. Today is December 13. Your premiums are low, but your service is terrible. Four weeks I was told that the app and website were not accepting claims. Why would it take so long to fix this website issue? I paid thousands of dollars in vet bills and I need that money now. After all it is the holidays.

Insurer: Pets Best

By: Dee

Verified December 14, 2025

Love metlife

I have always had a great experience with MetLife pets! They respond to claims so fast. I put the claim in on a Saturday and got a reimbursement on Tuesday.

Insurer: MetLife

By: Alex

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