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.

62,907 total


February 18, 2026

Cats have pre existing conditions

Cats have pre existing conditions. Did they forget to tell you they would not cover these?

Insurer: Embrace

By: Craig Kronfeld

Verified February 18, 2026

Amazing customer support and such quick…

Amazing customer support and such quick action on the claims. I refer spotpet to everyone who will listen!

Insurer: Spot

By: Ralph Giordano

Verified February 18, 2026

Quick reply

Quick reply, review, and payment of my claim.

Insurer: Spot

By: David

February 18, 2026

This company is a scam. AVOID at all costs.

This company is a scam. I just realized that they have not paid a single claim since we signed up with them. They are claiming that every time we have to visit a vet its due to pre existing conditions, even though the vet says there's no indication of pre existing condition connection. And the appeal process is BS. there's been no follow up. We've been paying $167.57 per month for several years. What an absolute joke.

Insurer: Embrace

By: Nikita L

Verified February 18, 2026

I submitted my claim with no issues.

I submitted my claim with no issues.

Insurer: Spot

By: Jennifer Finn

February 18, 2026

Pets Best saves the day

Pets Best saves the day - again! Our Bella had knee surgery and we submitted the very expensive vet bill on Wednesday and received notification of the payment on Saturday! Always very prompt claims service, which is why we have been very satisfied clients for 10+ years. Thank you as always Pets Best!

Insurer: Pets Best

By: Patricia "Trish" Schneider

Verified February 18, 2026

You responded to my claims quickly and…

You responded to my claims quickly and in keeping with what you advertised when I chose Spot. Never expected to use it for this diagnosis for a four year old but appreciate you being there

Insurer: Spot

By: Jane Overbaugh

Verified February 18, 2026

Fast and easy processing of claims!

Fast and easy processing of claims!

Insurer: Spot

By: Tara Rogers

Verified February 18, 2026

Pumpkin was a great choice for Yadi

Pumpkin was a great choice for insurance. My cat, Yadi, was just diagnosed with heart failure, and Pumpkin was absolutely the right choice for his coverage. This diagnosis came out of nowhere, and our family was devastated. But Pumpkin was able to step up and assist with the multiple vet appointments and meds, and Yadi's condition has improved dramatically. The vet was amazed with his progress during the last visit. Pumpkin was instrumental with the treatment Yadi required. Thank you!

Insurer: Pumpkin

By: Patrick Gargiulo

Verified February 18, 2026

Easy to submit claims

Easy to submit claims, though there was a delay when I needed to reopen a case (due to lack of documentation).

Insurer: Figo

By: Rose T.

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