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.

62,907 total


May 16, 2026

Wonderful company

Wonderful company! We really never have any trouble having our vet bills covered by them!

Insurer: Pets Best

By: Reign

Verified May 16, 2026

Timely claim reviews

Timely claim reviews

Insurer: Fetch

By: David

Verified May 16, 2026

It was easy to submit my claim and I…

It was easy to submit my claim and I had my payment from spot in about 9 days.

Insurer: Spot

By: Joe Minuti

Verified May 16, 2026

Excellent service

We've been with SPOT for our 2 dogs a few years and never filed a claim. When my one dog tore his knee and had to have surgery we filed our first claim. The whole process was easy and smooth and we received our reimbursement within 2 weeks of filing.

Insurer: Spot

By: Warren

Verified May 16, 2026

Quick and easy claims

Quick and easy claims

Insurer: MetLife

By: Marilyn H

May 16, 2026

Singlehandedly the worst…

This is singlehandedly the worst insurance I've ever had the displeasure of being subscribed to. Didn't get a single cent back from the "completed" claims. I had to pay $2k+ for my kitten's Feline infectious peritonitis (FIP) within the last MONTH and had Embrace weeks before the visits AND the diagnosis. The tests, bloodwork, visits, compound medicine, they all added up to $2,000. I paid $125~ for Embrace membership (2 months) and they could only refund a measly $9. I cannot stress this enough... I'd rather pay $2,000 out of pocket five times every month than to have to pay $50 a month to Embrace ever again. Also their customer service is bad. I kid you not, within the same day, I waited for 20 mins for the first call, and 30 mins ON THE DOT for the other call. I was this close to hanging up. And they have the audacity to have a voice line in the hold-call that says they're rated top customer service by some company. That's real funny. Save your money, mental health, time, and your pet's time. DO NOT SIGN UP FOR EMBRACE PET INSURANCE. Actual thieves.

Insurer: Embrace

By: hllxwn

Verified May 16, 2026

Quick and easy

I bought Pumpkin insurance after my puppy’s first vet visit and was so surprised and excited to hear that I could submit a claim for that visit! The claim was easy to submit and was payed quickly ( within 24 hours). I couldn’t be happier.

Insurer: Pumpkin

By: Romayne

Verified May 16, 2026

so far, so good

so far, have not had any issues with Healthy Paws for my pet. Everything that has been eligible for insurance has been processed correctly and quickly with no issues! have recommended them to many neighbors and friends.

Insurer: Healthy Paws

By: Jordan

Verified May 15, 2026

I wish human insurance was this…

I wish human insurance was this stress-free. They keep to their word, covering exactly what they say they will, every time.

Insurer: Healthy Paws

By: Pesa Cohen

Verified May 15, 2026

Processed my claim quickly and…

Processed my claim quickly and reimbursement was a speedy process as well! Thank you pumpkin.

Insurer: Pumpkin

By: Madeleine

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