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.

64,641 total


June 15, 2026

Fast handling of claims and good…

Fast handling of claims and good communication

Insurer: Fetch

By: Angela

June 15, 2026

Immediate payment

I filed a claim, submitted my paid invoice, and had the money in my account all within 10 minutes. What’s not to love?

Insurer: Pumpkin

By: Larry

June 15, 2026

Easier than I expected!

From signing up for the policy at the Humane Society to filling out the claims online and getting reimbursed, Fetch has made this a very easy process.

Insurer: Fetch

By: Karen

June 15, 2026

Love it!

Love it!! Claims are handled fast and payout comes in time.

Insurer: Trupanion

By: Maizie

June 14, 2026

Pumpkin always pays so quickly that I…

Pumpkin always pays so quickly that I am amazed. I got reimbursement in about an hour thus last time which was crazy good. Also I like that you cover so many things that my previous insurance didn’t like prescription food and medicine without a low limit. I refer everybody who has animals to Pumpkin because I’ve been so pleased even though you didn’t cover a $3000 dental bill for one of my cats. Otherwise, I am very pleased with Pumpkin.

Insurer: Pumpkin

By: Arlene Cook

June 14, 2026

I give Embrace a B-

CONS: Its like any insurance company... unless you fight them, they will give you the lowest possible payout... its a constant battle. PROS: Customer service is professional, helpful and most of all, AMERICAN! ((very rare)

Insurer: Embrace

By: Just Glenn

June 14, 2026

Seems like it takes forever to get your money back

Seems like it takes forever to get your money back. I had hoped it would be quicker. Even the animal hospital told me that they take a long time to get the claims approved and to get your money back.

Insurer: Embrace

By: Yvette Pena

June 14, 2026

I purchased the full plan when we got…

I purchased the full plan when we got our puppy in January. I did this as our last pup that passed away after 16 years had incidents that really racked up her vet bills! Followed Spots suggestions of waiting 2 weeks for her insurance to establish before seeing the vet. Forward to her teeth extraction for puppy teeth and fracture teeth. I phoned Spot and spoke with the insurance processor to check on coverage for baby teeth extraction. I was clearly told YES, Spot covered this. The vet also found fractured teeth which was making her sick. Now I did not receive an email. I just found on my phone app with Spot, that the claim is denied! How can this be??? I’m reporting this to Better Business Beuro and California Insurance claims. I’m also going to visit every vet within my area to show this to perspective patrons looking for pet insurance for their pets!

Insurer: Spot

By: Cheryl Cash

June 14, 2026

Customer service representatives have…

Customer service representatives have been very courteous and helpful when contacted. The website and app are user friendly; claims have been typically settled in a timely manner. The coverage offered is very comprehensive. Overall, a great choice!

Insurer: MetLife

By: Eleanor S.

June 14, 2026

Not all Pet Insurance Companies are the Same!

I have had other pet insurance companies in the past. Nationwide and Fetch. Hands down MetLife Pet Insurance is the best in the business. Quick Claims, User friendly app that makes filing claims a breeze. Highly recommend. Plus multi pet plan is the best one policy one premium and all the coverage…

Insurer: MetLife

By: Paul Johnson

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