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 18, 2026

Never Too Late to Get Pet Insurance

I've had pets my entire life and never had pet insurance. And it cost me. I finally decided it was time with my new adoptees. I did my research thoroughly and chose Pumpkin, and I'm glad I did. They are accessible, friendly, quick to process claims and quick to reimburse, no fanfare, no making you jump through hoops. I couldn't be more pleased.

Insurer: Pumpkin

By: Lisa Korn

July 18, 2026

Pet insurance

My pet is in good hands with this insurance.

Insurer: MetLife

By: Grant

July 18, 2026

Quick returns on your claims

Quick returns on your claims, friendly professional staff ! They answer all your questions and give you the best advice!

Insurer: Embrace

By: Sharon Caldwell

July 18, 2026

Easy to submit claims

Easy to submit claims, and its processed quickly as well. :D

Insurer: Spot

By: Amanda

July 18, 2026

Shameful service—avoid this company!

Over a year ago, we rescued a sick 6-week-old puppy. Thanks to excellent veterinary care, he was nursed back to 100% health, clearing all infections and testing completely negative across the board. A year later, we signed up for Embrace Insurance through a recommendation from a veteran service. After a recent move, we submitted three routine claims (for allergies and an upset stomach). What followed was months of abysmal customer service. They dragged us through incompetent procedures, constantly blaming delays on "IT issues," only to ultimately deny every single claim. Taking advantage of veterans and pet owners who just want to care for their animals is shameful. Save yourself the headache and avoid this company.

Insurer: Embrace

By: Damian Scott

July 18, 2026

Great pet insurance

Great pet insurance good to have pays out well does help with your pets easy to send gets processed fast glad we have it.

Insurer: Spot

By: Dan

July 18, 2026

The process of filing a claim for our pup was easy!

The process of filing a claim for our pup was smooth and easy. We found Spot Pet Insurance great to work with, and we received payment within two days by direct deposit.

Insurer: Spot

By: Dawn C

July 18, 2026

Claims are seamless and processed…

Claims are seamless and processed quickly. Customer service is always very helpful.

Insurer: Fetch

By: Linda

July 17, 2026

Service was easy ,fast and friendly

Service was easy ,fast and friendly. I was able to get a pre approval for my claim and when my official claim was approved my reimbursement was in my account in minutes. Pumpkin was there when we needed it most, we are very happy the service and so is our Pup!

Insurer: Pumpkin

By: Liz

July 17, 2026

Wonderful Experience

I've had a wonderful experience with Spot. The app is incredibly easy to use, making it simple to submit claims and view my coverage anytime. The claims process has been straightforward, and I really appreciate how convenient everything is. I highly recommend Spot to anyone looking for reliable pet insurance with a user-friendly experience!

Insurer: Spot

By: Nicole Lopez

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