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.

63,140 total


Verified September 19, 2025

It should never take 3 months for a…

It should never take 3 months for a reimbursement! I was asked multiple times to send prior vet visits which I did and my vets did as well but clearly no one was paying attention.

Insurer: Embrace

By: Trevor Carralejo

September 19, 2025

Pets Best Gives Pet Owners Peace of Mind

Pets Best reviews and responds to claims quickly and they honor the details of the policy. We have had our dog and two cats have illnesses and accidents in the last year. Without Pets Best, we wouldn’t have been able to afford their care.

Insurer: Pets Best

By: Jessica

September 19, 2025

If you are looking for pet insurance, look no further thank Healthy Paws!

I’m cannot recommend Healthy Paws enough! My pup just had very expensive CCL surgery, and HP processed my claim and sent reimbursement before my credit card bill was even close to due! And they even reached out to see how she was doing!

Insurer: Healthy Paws

By: Keri Chervitz

Verified September 19, 2025

Three Claims In and I gave Spot pet Insurance a 5/5 on all three!

I’ve had three claims now with Spot pet insurance and I have been very pleased. Staff was so helpful and friendly when I called, very caring about my sick pup. All three claims were processed and paid in 7-8 days. App is easy to understand and follow, and submittal process was simple.Everything worked as expected. I tell people all the time about it because so many have had bad experiences with pet insurance. I read the details of my policy when I signed up originally (which honestly was just a few pages and in Easy-to-understand language), and knew what I was buying up front. I also love all the variable pricing options so I could buy what made sense for us. This is a no-brainer 5 star rating!

Insurer: Spot

By: Erika Williams

Verified September 19, 2025

Very easy and simple to file a claim

Very easy and simple to file a claim. They were very responsive and approval was quick!

Insurer: Spot

By: Steven J.

Verified September 19, 2025

It is vital to have pet insurance to offset major claims due to an illness or accident.

Appreciate the thoroughness of your support during a deeply emotional experience with the passing of my pet. The timeliness of your support along with the courtesy was quite meaningful. I appreciate the expeditious manner in which you worked with my vet and the pet care hospital to settle our claim. I was not in total agreement with the settlement but I did understand the final outcome. The sad part of course is having to file the claim in the first place but that is why we have pet insurance and to that end we are grateful. Thank you again for the support all the way through this sad process.

Insurer: Embrace

By: Leslie Miller

September 19, 2025

Fetch screwed us with outrageous rate increase

We have used Fetch pet insurance since they were PetPlan. We've had many policies for various dogs because we run a nonprofit dog rescue. We insured our rescue dogs while waiting to be adopted. We insured our own pet dogs. We recommended them to everyone. $15000 coverage per year. How would that make any sense to pay. So now we are forced to cancel her policy which means any other company will not cover any pre-existing conditions she's had throughout her life. So they totally screwed us and that shows just how little they care about customer service and providing care for their customers and their pets. Do NOT get a policy from Fetch. It may seem good when you first get it but it will go up in price every year significantly and when they get old and really need their health insurance you will no longer be able to afford it. Go with another company that actually cares about pets and not just making money. They sure don't care!

Insurer: Fetch

By: Ann Wagner

September 19, 2025

Easy to fill out and submit claim

Easy to fill out and submit claim

Insurer: Embrace

By: Suzanna

Verified September 19, 2025

easy and quick response

Filing a claim was easy and response was fast. My claim was funded within days of filing.

Insurer: Pumpkin

By: Chollan

Verified September 19, 2025

The claims process could not be any…

The claims process could not be any easier. Just a couple of clicks, upload the receipt and BAM! The claim is processed in just a couple of days.

Insurer: Spot

By: Kelly

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