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.

58,154 total


Verified January 09, 2026

We love Spot Pet Insurance!

I truly cannot believe how easy it was to work with Spot Pet Insurance. They make it extremely easy to make claims and have a quick turnaround time.

Insurer: Spot

By: Mindy Wong

Verified January 09, 2026

I filed my first claim

I filed my first claim. The claim was easy to file. They were quick and efficient. I forgot I had a $500 deductible and 70% rate so I received $1125 back from a $2200 claim within a week.

Insurer: Spot

By: Deborah San Juan

Verified January 09, 2026

Insurance Claim

The process to file my claim was quick and easy. And the reimbursement was very quick! Thanks for the great customer service!

Insurer: Fetch

By: Dave

Verified January 09, 2026

Fast & Easy

The whole process of submitting my claims, hearing back, & receiving my refunds is always easy and fast. Much appreciated help during tough times.

Insurer: Fetch

By: Corina

January 09, 2026

Embrace is Bad business

My dogs were covered with Embrace not once but twice and the second time they were covered I filed a claim, and it was denied due to not having an ortho exam on file. When I took this plan on, I asked about the ortho exam and was told that it was not need since I once had a policy with them, so they denied my claim and replied to my oldest furry baby condition was preexisting and he in a holding pattern because of not having the ortho exam. I pay more for pet insurance then I do for my Medicare or to be lied too and never to get a return follow-up call as requested. Buyer beware My review stands as I stated. Got an email from Embrace that contradicts everything said in this reply. Which leaves me to have suspicions about business practices. I would never refer anyone to Embrace that care for their pet(s). Either way Embrace didn’t provide enough information so that I could make an informed decision.

Insurer: Embrace

By: Victor

Verified January 09, 2026

The coverage offered is excellent

The coverage offered is excellent. Claimes are processed in a timely manner. There are updates available for every step so you are always informed.

Insurer: Spot

By: Joe Gill

Verified January 09, 2026

Easy upload of receipts in the app

Easy upload of receipts in the app, fast turnaround on approval and payment.

Insurer: MetLife

By: customer

Verified January 09, 2026

I believe the cost vs reimbursement it…

I believe the cost vs reimbursement it isn’t worth it. My dog has stops but when she has an allergic reaction to something they only covered $89.00. I am thinking with my next pet going with Lemonade.

Insurer: Trupanion

By: Lisa

Verified January 09, 2026

Fast and easy

Fast and easy

Insurer: Pumpkin

By: Chuck

Verified January 09, 2026

Quick and easy

After understanding what was covered and what is needed for claim submissions and setting my reimbursement as Zelle deposit… Filing Claims is super easy and quick. I am very please with my choice to have MetLife for my two fur babies

Insurer: MetLife

By: Sandra Lopez

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