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.

64,657 total


November 21, 2025

Submitting claims and receipts are so…

Submitting claims and receipts are so easy. Claims are reimbursed within days. Ease of mind when emergencies come up with my pets

Insurer: MetLife

By: Fast and easy process

November 21, 2025

I am so grateful for an easy process through a difficult time

I am so grateful that I have Healthy paws insurance as my black lab had to have ACL surgery. The on line platform makes it so easy to submit all my claims. I was very impressed with the turn around time and having my payment be directly deposited into my bank account. The best part is that my pup, Mae, is doing great! Thank you!

Insurer: Healthy Paws

By: Lee Huth

November 21, 2025

It was pretty easy to request insurance…

It was pretty easy to request insurance for your pets; my only suggestion is I wish they would keep me updated on the process. I can’t wait to start using the insurance for my pets.

Insurer: Nationwide

By: Rachel

November 21, 2025

Pumpkin has always made it so easy to…

Pumpkin has always made it so easy to file claims after a vet visit. The website is user friendly and I always get paid out in a short amount of time.

Insurer: Pumpkin

By: Alyssa

November 21, 2025

Thankful for Pumpkin Insurance

I was honestly skeptical when I first filed the claim for Odie who herniated a disk in his neck chasing a squirrel of all things. Every communication I've had with Pumpkin was great. Each Agent gave me assurance that my claim was being processed and that gave me peace of mind. Once I filed the claim it was paid within days. Thank you Pumpkin Insurance for being there when we needed you. They fulfilled their promise and I cannot ask for anything more.

Insurer: Pumpkin

By: Deborah

November 21, 2025

My claim was canceled due to the claim…

My claim was canceled due to the claim form missing. Takes a lot longer to process compared to Embrace and they don’t need a cover form.

Insurer: MetLife

By: Kennith Kruger

November 21, 2025

Paid All Year, Every Claim Denied

I’ve been paying about $85 a month for the last 12 months and filed 3 claims. All 3 were denied for what felt like very minor or “technical” reasons. What’s the point of paying for pet insurance if nothing is actually covered? I expected some help with my pet’s bills, not excuses. I’m very disappointed and will be looking for a different company—anyone considering this insurance should read the fine print very carefully.

Insurer: Pets Best

By: Joseph H

November 21, 2025

The process of my claim review was good…

The process of my claim review was good and reasonable.

Insurer: Fetch

By: Sylvia

November 21, 2025

Policy was 65.16 but was charges…

Policy was 65.16 but was charges 123.00. Not sure why.

Insurer: Nationwide

By: customer

November 21, 2025

Good coverage and customer service, slightly confusing process

The timeline of reimbursement and the info on the website as the claim was processed was a bit unclear. Our claim was split into two separate claims and reimbursed separately, so I was a bit unclear on what was happening with the claim. However, email response to my questions was prompt and we were ultimately reimbursed for the full amount we expected, so we were overall satisfied with the experience.

Insurer: MetLife

By: customer

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