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.

64,617 total


July 04, 2026

Everything went perfectly

Everything went perfectly! You guys handled my claim immediately and in two weeks I received my refund. I was shocked at how quickly I received it! I really appreciate the great customer service!!!

Insurer: MetLife

By: Michele Derby

July 04, 2026

prompt processing of claims and payment

prompt processing of claims and payment

Insurer: Trupanion

By: Robert

July 04, 2026

No urgency and no communication

Unfortunately, I’ll be moving on with another insurance. Embrace has failed to help me with my claims. I’ve tried reaching out multiple times and there has been no help. I had to contact the vets for information and have them send it over to embrace. However, even with that information, they still fail to complete my claim and this is going on to two months now.

Insurer: Embrace

By: Jerry Quemada

July 04, 2026

Excellent Claims Experience and Fast Reimbursement

I recently submitted my first claim with Pumpkin Pet Insurance for my kitten, Donatello, and I had a great experience. The claims process was straightforward, communication was clear, and my claim was reviewed without any issues. My veterinary bill was around $127, and Pumpkin reimbursed approximately $95, which I felt was fair based on my policy. Receiving the reimbursement gave me peace of mind and reinforced that having pet insurance was a worthwhile decision. As a first-time pet owner, it's reassuring to know that when unexpected veterinary expenses come up, Pumpkin follows through on its coverage. I'm very happy with my experience so far and would recommend Pumpkin to anyone looking for reliable pet insurance.

Insurer: Pumpkin

By: Sofia

July 04, 2026

Put three claims in for my cat and in…

Put three claims in for my cat and in less than a week my claims were approved and I was reimbursed what I was owed. Couldn’t be happier with MetLife pet insurance.

Insurer: MetLife

By: customer

July 04, 2026

Claims process is easy and payments are…

Claims process is easy and payments are received within 2 or 3 days. I would make it 5 stars if they billed the clinic, directly, right at time of visit but Ive been quite satisfied overall. The monthly payments are more reasonable than other companies as well

Insurer: Spot Canada

By: Heather

July 04, 2026

Easy to file a claim

Easy to file a claim. Payments were fast. I even had it go directly to my Care Credit card, which is great because that card is just for mr pets.

Insurer: Pumpkin

By: KAREN

July 04, 2026

Typical sleazy insurance behavior

Vet had to put my dog under anesthesia to take care of an abscess on his tail. After the abscess procedure was done they offered to clean his teeth while he was out. Trupanion then only covered half of the anesthesia because it was used for another procedure even though it had already been required for the original covered procedure.

Insurer: Trupanion

By: Dan

July 04, 2026

Fast and very easy to get refund to…

Fast and very easy to get refund to take care of my pet!

Insurer: MetLife

By: customer

July 04, 2026

Very affordable and easy to submit…

Very affordable and easy to submit claims with quick processing response.

Insurer: MetLife

By: Dora

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