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.

61,181 total


March 06, 2026

Don't buy insurance from this company

Don't buy insurance from this company; they're thieves. They never mentioned co-pays, they charge co-pays on everything. Besides that, they find ways to avoid paying, and when they do pay, it takes more than a month. Their customer service is awful. I'll never use this company of thieves and scammers again.

Insurer: Pets Best

By: Francisco Vasquez

Verified March 06, 2026

Great service

Great service, the pumpkin now works as they state it does. The process makes it much less painful to get the help your family dog needs ! Highly recommend this pet insurance ! My French Bulldogs are all covered by Pumpkin Care Insurance

Insurer: Pumpkin

By: Lesley

Verified March 06, 2026

I like the wellness option

We have the wellness plan as well as the illness or accident insurance. Pumpkin did what everyone who has insurance hopes. It paid for some wellness needs and was a comfort just in case something happened that we don’t want to think about. Thankfully we haven’t had to use it for any health issues or accident. And hope that stays the same for the foreseeable future.

Insurer: Pumpkin

By: Marilyn

Verified March 06, 2026

I have had wonderful experience with…

I have had wonderful experience with pumpkin. you make it easy to file a claim on my 2 fur babies. Response is quick and funds refunded in a quick and timely manner. Thank you for taking protection for my fur babies so I can provide them the best care

Insurer: Pumpkin

By: Yolanda

March 06, 2026

Pumpkin Pet Insurance offers reliable…

Pumpkin Pet Insurance offers reliable coverage and flexible plans that help pet owners feel confident about their pets’ healthcare. Their straightforward claims process and strong customer support make it a great choice for protecting your furry family members.

Insurer: Pumpkin

By: Ken machui

Verified March 06, 2026

Outstanding response time

This is the second claim I've submitted, and the turn-around time was outstanding.

Insurer: Spot

By: AZprsn

March 06, 2026

Questionable business practices

Pets Plus Us was unresponsive to repeated requests for a basic clarification: what, exactly, they consider “pre-existing conditions” under my dog’s new policy. They have full access to the veterinary records, yet refused to specify which conditions they believe are excluded. After a letter of complaint to the Ombudsman at Northbridge, the parent company, forced a response, apparently I should keep paying a sizeable monthly premium and only find out whether my dog is actually covered for a treatment if or when I file a claim. That's not insurance, it'a game of roulette! There is no ambiguity when they debit my credit card each month, but when it comes to defining coverage, the company suddenly becomes vague. Asking customers to pay while withholding clear information about exclusions is reprehensible and feels like a sleazy way of doing business. A company that cannot clearly explain what it will cover does not inspire confidence or deserve any customer’s trust. Potential amd existing customers, please take note!

Insurer: Pets Plus Us

By: DJ

Useful
Verified March 06, 2026

Hi love Healthy Paws

Hi love Healthy Paws! And I think the coverage is fair! The ONLY note I would have is I would love if Healthy Paws looked into covering herbal/holistic treatments!

Insurer: Healthy Paws

By: Hayley

March 06, 2026

Best Pet Insurance!

We switched to Pets Best after our previous emergency-only pet insurance raised rates twice. Even after adding the Wellness Package, we’re paying less than we were before. Our first claim for Heartgard was processed quickly and reimbursed by direct deposit. So far we’re very happy we made the switch!

Insurer: Pets Best

By: Debbie

Useful
Verified March 06, 2026

Worth it.

After paying for years and never filing a claim and wondering if it was even worth it, I just had a huge claim out of nowhere, and Healthy Paws paid without a fuss. It was a huge relief not to have to argue with an agent or fight over line items (let alone be on the hook for the whole bill, which was...daunting).

Insurer: Healthy Paws

By: Adrian Allen

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