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


October 25, 2025

Not satisfied in continuing with Embrace

My dog had to have a tooth removal and a representative told me it was probably covered up to 75%. Embrace didn’t support 1 %. Also, an upgrade in coverage cost doubled.

Insurer: Embrace

By: Craig Hunnewell

October 25, 2025

Help deciding insurance coverage

Nadine was very pleasant, thoroughly explaining coverage options in helping me to decide what policy to select. Process was simple and straightforward.

Insurer: Fetch

By: John Kassel

October 25, 2025

Glory's Pet Insurance

We are thankful we purchased an insurance policy for our kitten. It has saved us money when she become sick or had random non serious issues come up over the first 2 years. Thank you Metlife for making it easier for us to get our cat the care she needed!

Insurer: MetLife

By: The Barth Family

October 25, 2025

Very efficient

Very efficient, it’s very easy to file a claim and they keep you informed of the process.

Insurer: Spot

By: Kersten Olson

October 25, 2025

I've been with Pumpkin for five yearss…

I've been with Pumpkin for five years and getting this insurance for my senior cat was the best decision I ever made. Well, except for adopting my cat. I've never had a problem with getting reimbursed for any invoice. Whether it's a couple of hundred dollars or thousands. I put in three claims a couple of weeks ago after my cat needed bloodwork and x-rays at her regular vet. I then needed to bring her to the emergency hospital later the same morning for an ultrasound and echocardiogram and that visit was close to a couple thousand dollars. Then there was a claim for a couple hundred dollars for her regular medication. I was amazed that Pumpkin expedited the emergency hospital invoice and I was paid in under 10 minutes. I am truly grateful that Pumpkin allows me to be able to give my now 19 year old cat the best care.

Insurer: Pumpkin

By: Marilyn

October 25, 2025

Excellent pet insurance company

Excellent pet insurance company. They will reimburse you after your deductible usually within 30 days. Highly recommended.

Insurer: Pets Best

By: Joe C

October 25, 2025

Quick & Easy Claim Submission

Submitting the claim was easy to do from my tablet. Thank you for making it available rather than having to mail anything in!

Insurer: Embrace

By: Suzanne A

October 25, 2025

Claim for dental procedures denied as…

Claim for dental procedures denied as pre-existing. They failed to "discover" the pre-existing until almost a year after we enrolled. The condition was treated and resolved (Per policy, dental treatment is covered once it is treated and resolved. We had it treated and resolved and they still denied it. They do not advise you of exclusions for pre-existing until a claim is submitted. They take the premiums and provide no coverage.

Insurer: Embrace

By: J H

October 25, 2025

It is so incredibly easy to create a…

It is so incredibly easy to create a claim!

Insurer: MetLife

By: customer

October 25, 2025

We’ve been very happy with Spot

We’ve been very happy with Spot. They’ve been fair and prompt with our insurance claims.

Insurer: Spot

By: Tracy Chelette

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