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.

60,642 total


Verified March 28, 2026

Very smooth process to file a claim.

Very smooth process to file a claim.

Insurer: MetLife

By: customer

March 28, 2026

Mrs.

Dear Pets Best Insurance Team, I am writing to express my heartfelt gratitude for the exceptional support you provided during a very difficult time for my family. My five-year-old Golden Retriever was recently diagnosed with a Mast Cell Tumor, and navigating her care was both emotional and overwhelming. Thanks to the policy I chose when she was just a puppy, I had peace of mind knowing she would be covered. The $1,000 deductible plan with 90% reimbursement and unlimited coverage worked exactly as promised. Your team handled my claims promptly and efficiently, which made a significant difference when timing and support mattered most. I truly appreciate your responsiveness, professionalism, and compassion throughout this process. It’s clear that you genuinely care about the pets and families you serve, and that means more than I can express. Thank you again for being there for us. I am incredibly grateful. Sincerely, Nicole Brown

Insurer: Pets Best

Veterinarian: Bigger Road Veterinary Center

By: Nicole

Useful
Verified March 28, 2026

Metlife is great

Metlife generally accepts all of my claims for my cat who is now 15 years old. I truly am happy with the service I am receiving and the price I pay for what I received. I do recommend Metlife Insurance for anyone with a pet.

Insurer: MetLife

By: customer

March 28, 2026

Terrible company

Terrible company. If your pet has a pre-existing condition, DO NOT GET THIS INSURANCE. No matter what new condition your pet has, they will aleays DENY coverage saying it is related to the pre-exisying condition, even if it is CLEARLY NOT and you involve the vet clinic to explain things. They do not trust the clinic either. Trupanion has horrible coverage policies and service is awful as well. They always make things difficult. They claim to be easy with process, but they are NOT. They don't cover dental procedures either. If you can, run away from this company. Get PetSecure. My experience is way better with that one. I regret tremendously getting Trupanion. RUN AWAY!

Insurer: Trupanion Canada

By: Renata Chiaradia

Verified March 28, 2026

My claim was processed quick and timely!

My claim was processed quick and timely!

Insurer: MetLife

By: KA

Verified March 28, 2026

Easy

Easy claim submission

Insurer: MetLife

By: customer

Verified March 28, 2026

Submitted claim on Wednesday

Submitted claim on Wednesday, check deposited on Friday afternoon. Awesome experience!

Insurer: MetLife

By: customer

Verified March 28, 2026

I got insurance last year knowing…

I got insurance last year knowing anything could pop up anytime! Butterball got sick with parvo and Spot Pet Insurance has been right there to help. Overall with me being laid off once this started Butterball had $1200 put into his getting better care and when that's said and done we came back with his rough care only being about $700. That's a big savings! We just hope our pets don't have these kinds of things happen and that's why having Spot was such a great decision!

Insurer: Spot

By: Herold Lutz

Verified March 28, 2026

Prompt payments - Continued Price Increases.

Filing claims is easy; prompt approvals and payments directly deposited into banking of choice. What I dislike is continued pricing increases. I have a senior family member. We have been paying into our insurance for years; hoping to never need it. Unfortunately our senior dog needs more assistance in his golden years. Last year they downgraded our plan and increased the price. Now they want another 25 percent increase ! ? I am held hostage to stay with them due to my dogs age. Not a very nice thing to do for a family.

Insurer: Healthy Paws

By: CAROL

Verified March 28, 2026

Trupanion Gets 10/10

Trupanion gives me the relief of knowing that my German Shepherd is covered for medical emergencies. The knowledge that I can now afford what would have been an expensive Vet Bill. In the meantime all of her arthritis Rx including The Librela injections are reimbursed at 90% The deposit into my checking account is there usually the day after I file the claim. I will get another policy for any dog I’m lucky enough to have. Highly Recommend.

Insurer: Trupanion

By: Ray Stovall

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