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


June 17, 2026

Everything with Spot Pet Insurance

Everything with Spot Pet Insurance works smoothly. Starting with the Claim Form. communication to payment. Adding peace of mind. My daughter highly recommended Spot. I’m so happy I listened to her.

Insurer: Spot

By: Deborah T

June 17, 2026

Spot was SO easy to work with and we…

Spot was SO easy to work with and we got our money fast. Thank you so much, I will continue to use your services

Insurer: Spot

By: kayla kennea

June 17, 2026

In the midst of dealing with a sick and…

In the midst of dealing with a sick and very cherished pet, spot pet insurance was the easiest part of the situation. Filing a claim was easy and in 10 days had my reimbursement in my account. No phone calls, emails and fighting back and forth like I had with former pet insurance company. I am so grateful for how easy this was and how quickly the turn around time was.

Insurer: Spot

By: Kristina Dietrich

June 17, 2026

Embrace not paying claims. Their portal has been down since May…

Their portal has been down since May and you can't make a claim. I spoke to customer service and emailed them my claims with documentstion at tchandler@ embracepetinsurancecom which they confirmed they received. Since then they've emailed me rejecting my claims because of no supposed documentation. I have 5 claims they haven't paid at this time.

Insurer: Embrace

By: Susan Fischler

June 17, 2026

1st time I had to use it

1st time I had to use it. Had no problems.

Insurer: Trupanion

By: Pamela Lutz

June 17, 2026

Quick turnaround on payouts

Quick turnaround on payouts. What was not good was you advertising Vetster for Micro after he passed away. We are heartbroken and that was hard to see. The insensitivity was noted.

Insurer: Fetch

By: Valerie

June 17, 2026

Filing a claim was easy

Filing a claim was easy, being able to check status was easy, we received a decision in about two weeks and a refund check about a week later. This was our first time filing for an expensive service and it brings piece of mind knowing Pumpkin paid, just as outlined in our policy.

Insurer: Pumpkin

By: Deb

June 17, 2026

Excellent service filing a claim

I submitted a claim for my cat Addison and it was approved and paid in no time. Excellent customer service. I have 4 pets enrolled and will enroll an additional cat.

Insurer: Spot

By: Angela Purser

June 17, 2026

Kametria

Kametria was simply outstanding! I had submitted a claim literally 9 times and the company continued to turn it down because it was processed incorrectly. Kametria went above and beyond and figured out why this was happening and assisted me in resubmitting it correctly to get it properly placed into the system. She was patient expedient, knowledgeable, and precise. My claim is now in review correctly based on Kametria's outstanding work ethic! Marcy MBA JD Managing Principal Chairperson FINRA Faculty Published Author.

Insurer: Fetch

By: marcy greer

June 17, 2026

A Different Kind of Insurance Experience

After my dog's surgery, we didn't have to pay the full amount up front and wait to be refunded. Trupanion got immediately involved when we checked out of the emergency vet, calculated how much they would pay (a very significant amount) and we left the vet having paid a fraction of what we would have paid.

Insurer: Trupanion

By: Chris

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