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.
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Very easy to file a claim
Very easy to file a claim; quick and efficient turnaround!
Insurer: Spot
By: S Howard
Pumpkin is the best for my girl! Highly recommend!
Pumpkin has always taken care of my girl. She has needed to use her insurance three times since she was born and every single time Pumpkin has been reliable and there. It is a peace of mind knowing that my little girl can be taken care of with the best care because I have pumpkin!
Insurer: Pumpkin
By: Brittany Cummings
Satified with an exception
Overall, I have been satisfied with PetsBest. My biggest complaint is the time it takes to process claims. Much more often than not I get an email apologizing for the delay in processing my claim. On my latest claim I actually received two emails again apologizing for the delay. The claim was submitted on Aug 13, 2025 and not completed until 09/02/2025. Much to long. If not for that I would have given PetsBest 5 stars.
Insurer: Pets Best
By: Albert L Angel
Claim denied
I took my new kitten in for her first vet visit. The wellness claim was denied as well ass her bloodwork for feline check up. The claim reviewer would not accept the detailed explaination sent in by our vet clinic. A wellness exam was covered for the dog but not for my 3 cats. I am not impressed with this insurance.
Insurer: ASPCA
By: Michele Slabodnick
Love this pet insurance
Great customer service, fast claims service and never issues over payment for covered illnesses/accidents
Continued increase in monthly payment, decrease in service/percentage of reimbursement when you need it the most.
When I originally purchased pet insurance, my puppy was a year old. I was paying $45 a month. When my company offered pet insurance as a benefit, I moved to their plan at $70 per month, but at 90% reimbursement. My puppy, now 12, was diagnosed with IMHA which is a blood disease and has been through the ringer with this disease. I received notice before renewal this year - which I never paid attention to... the fine print because I didn't think it would be this drastic of a decline in insurance, that the reimbursement percentage is going from 90% to 50% so Nationwide can continue to provide pet insurance for others. My monthly premium is NOT going down. It is now at $190 per month and has been this high for several years being with Nationwide.
Insurer: Nationwide
By: Cheryl
The company is fast when it has a claim…
The company is fast when it has a claim and has very little problems.
Insurer: Pumpkin
By: Deborah
my experience with a puppy fracture
I have been living in the USA for 1 year. A couple of months ago I got a York puppy. Having learned the prices for veterinary services, I knew for sure that I needed insurance. After all, a puppy, and such a tiny one at that, is always an adventure. I am looking for different plans and I liked Pumpkin. I was calm about the insurance. And then 2 weeks ago, my puppy broke his finger on a walk. One appointment with an x-ray cost me $1,300. 90% was covered by the insurance. Everything was very fast, and I received the money the next morning. Insure your furry ones! Take care of your nerves and their health!
Insurer: Pumpkin
By: Iryna
Had to bring my cat to the vet as he…
Had to bring my cat to the vet as he was not feeling well. I filled out my form on Embrace for payment. It was quick and easy and I received my payment in less than a week. I love Embrace!!
Insurer: Embrace
By: Rona
Pets. Best ins
Our dog lost function of all four limbs due to a spinal injury and also contracted Mersa in his deformed paw. He is 100 % better now after 10,000.00 in medical bills. We ended up being reimbursed 9,000.00.