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.

58,154 total


Verified February 05, 2026

I have trupanion on all 3 of my dogs

I have trupanion on all 3 of my dogs. My oldest is 11 and has multiple issues. When diagnosed with thyroid cancer, knowing he was insured was a relief. We were able to proceed with surgery quickly. I have peace of mind knowig my pets are covered.

Insurer: Trupanion

By: Rebecca

Verified February 05, 2026

trupanion overall satisfaction

Trupanion is very quick to process claims, were very professional, and were very helpful when I had a problem one time.

Insurer: Trupanion

By: Kathy

Verified February 05, 2026

Submitting claims are super simple I…

Submitting claims are super simple I was approved literally within a day of submitting my preapproval for my dogs. Surgery payment was made directly into my checking account that I had previously set up no hassles no worries.

Insurer: Fetch

By: Craig Mitchell

Verified February 05, 2026

This was my first time filing a claim…

This was my first time filing a claim and it was flawless. My vet filed the claim for me right at the office after my visit. Trupanion paid their part to my vet directly and I paid the difference. I couldn’t ask for anything easier.

Insurer: Trupanion

By: Linda

February 05, 2026

Murphy

Murphy was treated at the emergency vet, they all were very friendy, and explained everything, I did not feel pressured in having tests done or not done. If I didn’t have Pets Best insurance, I still would be paying The vet bill off. Thanks for making Murphy safe

Insurer: Pets Best

Veterinarian: Peak Veterinary Referral Center

By: Sheryl

Useful
Verified February 05, 2026

Peace of mind

very impressive with timeliness of approvals. Payment direct to the hospital was a huge plus.. thank you for everything.

Insurer: Trupanion

By: Julia

Verified February 05, 2026

You guys are amazing

You guys are amazing my Bella had her surgery on Monday February 2 and I picked her up on the 3rd and checked my bank account on the 4th and you had already paid 4680.00 dollars 0f her bill that was 5120.00, Thank you so much

Insurer: Pumpkin

By: Betty

February 05, 2026

SPOT PET INSURANCE IS THE BEST

I am so thrilled that I selected Spot Pet Insurance last year when I reviewed many different companies. I recently had a claim and was so very impressed with the outstanding level of customer service/support and how effortless filing my claim was. It was a very stressful time as I had not only visited my regular vet but an emergency clinic a couple of days later when my regular vet's office was closed. The process for filing a claim was very straightforward and most amazing was how quickly my claim was processed. From the time I submitted my claim until I received reimbursement was only one week! This was so amazing and all terms of my policy were met. Without a doubt I made the right selection and so very pleased with Spot Pet Insurance. I highly recommend them.

Insurer: Spot

Veterinarian: Hillcrest Veterinary Clinic

By: Margaret

Useful
February 05, 2026

I’ve been with them since I adopted my…

I’ve been with them since I adopted my dog I believe now 3yrs ago. For the most part he’s been healthy except for a couple times when he got into a coffee pod which required an emergency vet visit which was quite expensive I met the deductible and they paid quickly. Their customer people have always been very friendly and helpful. I did have to lower my reimbursement rate due to the higher rate increase. I do like the wellness policy as it covers all his vaccinations and even his dental chews. I know what to expect from Embrace and will keep them.

Insurer: Embrace

By: Tedd

Verified February 05, 2026

Fast and accurate claim processing

My claim was processed correctly, and payment received directly to checking account, within a week of submission! Great communication on claim status, as well. Well done.

Insurer: MetLife

By: Karl

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