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


Verified March 01, 2026

Amazing Communication

The Folks at Pumpkin Pet insurance are very fast to reply and are extremely communitive. I love the feature where you can see what your insurance will cover for an estimate so you can best prepare to make that surgery come true. I love their timely replies and the work they do to keep members like me informed and prepared.

Insurer: Pumpkin

By: Katherine

Verified March 01, 2026

The automatic claims process was easy…

The automatic claims process was easy and quick. Uploaded all that was asked for and got the money in my account within a few days.

Insurer: Spot

By: Phil Dunn

Verified March 01, 2026

Everything was very easy to file and we…

Everything was very easy to file and we got a nice quick reimbursement for our baby girl who is dealing with cancer now.

Insurer: Spot

By: Bruce Hotaling

Verified March 01, 2026

Easy to file a claim

The claim filing process was easy, communication was better than expected, and the payment was fast to arrive directly to my bank account!

Insurer: Fetch

By: Robin McCoy

Verified March 01, 2026

It's been pretty easy

So far our frenchie has not had any issues (who knew) so we really haven't experienced any large claims. Just standard stuff that they have honored. It has been easy to submit claims and payments are automatic.

Insurer: MetLife

By: Kay

Verified March 01, 2026

Spot insurance phone staff is always…

Spot insurance phone staff is always very helpful and kind. Wonderful insurance claim. I’ve been with them for a little over two years and I’m very pleased!

Insurer: Spot

By: Kasie Mcpherson

Verified March 01, 2026

A+ They have been fair and responsive

They have been fair and responisve. I had one claim and they reimbursed me a fair part and the teeth cleaning I had done for Odie had a 150 dollar allowance for Teeth cleaning when I added the Platinum rider. SO yeah. Spot pet insurance is legit and they are a great company to deal with. I hope I will never need them for major diseases/illnesses but if I do, I am glad I chose this company! Thanks, Brian and Odie.

Insurer: Spot

By: Brian D

Verified March 01, 2026

Pumpkin team replies in a timely fashion

The Pumpkin team is consistently available to address your inquiries in a timely fashion. They have been processing my claim requests very promptly and providing clear feedback. I highly recommend them

Insurer: Pumpkin

By: Anna

March 01, 2026

Double check your coverage amounts when signing up.

With our last dog the coverage and service was amazing. With our new dog, I started with a higher deductible by mistake. I called to make changes and you can NEVER make a change unless it’s to up your coverage. So basically nothing is covered for this dog which is a bummer. When I was talking to the rep she mentioned I could switch insurance companies but everything she’s been treated for so far would be considered “pre-existing” and not covered somewhere else.

Insurer: Pets Best

By: Jen Brennan

Verified March 01, 2026

You made it very easy to file and…

You made it very easy to file and receive reimbursement

Insurer: Pumpkin

By: grace

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