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.

58,987 total


Verified November 10, 2025

A good climb experience …

Ease of invoice submission and quick turnaround for my recent claims were outstanding.

Insurer: Trupanion

By: Donna

November 10, 2025

Timely processing of my pets claim.

Timely processing of my pets claim.

Insurer: Pets Best

By: James

November 10, 2025

Easy to submit claims through the…

Easy to submit claims through the website.

Insurer: Embrace

By: Pamela G.

Verified November 10, 2025

So far you’ve made it very easy to…

So far you’ve made it very easy to submit information, Health and treatment to the company and get reimbursement

Insurer: Trupanion

By: Joanne

November 10, 2025

Quick to deny, slow to process

Quick to pick apart and deny claims. When it comes to getting the reimbursement, there is no hurry on Petsbest end.

Insurer: Pets Best

By: Robin

Verified November 10, 2025

The team at Pumpkin is very effective…

The team at Pumpkin is very effective and very quick on dealing with claims or any questions I may have

Insurer: Pumpkin

By: Carin

Verified November 10, 2025

+-Wonderful Caring People to Speak to

+-Wonderful caring people to speak to, and service beyond excellent. Lightning quick approvals and payments. I cannot say enough about Pumpkin. So glad that we decided to get it for our pets. Keep up the fantastic work. *

Insurer: Pumpkin

By: Lisa

Verified November 10, 2025

Get a quick reimbursement for my pet's…

Get a quick reimbursement for my pet's healthy wellness preventative meds. Thanks.

Insurer: MetLife

By: Shawn D

November 10, 2025

Amazing

I can’t say enough great things about this company! They have help ease the financial burden of getting my pups knee fix! It would have been hard to come up with 15,000 dollars to cover the pre surgery and surgery costs but that’s to our full coverage we were able to do the surgery and not be stressed over the money and able to just worry about Gus.

Insurer: Pets Plus Us

By: Tia

Useful
November 10, 2025

Customer Service Grossly Misrepresents Policies

My pet insurance policy was misrepresented to me prior to purchase, but Embrace is telling me that they don't uphold anything said by their customer service reps. I attempted to clarify a policy detail with customer service prior to purchasing the policy and they assured me that only pre-existing conditions were not covered by the policy. The reality is that any condition which the insurance company deems related to a pre-existing condition is additionally not covered by the policy. In my case, one of my cats has Entropion, which is considered a pre-existing condition since she has had it since birth. I paid for the surgery to correct it, but now Embrace informed me that any eye conditions (for example, conjunctivitis) will not be covered at all by the policy unless the vet can clearly attribute the cause to an injury or other illness. If they cannot, they will just assume the eye condition is related to the pre-existing condition (Entropion). This is a gross misrepresentation of the policy given that I explicitly asked customer service questions to try and understand what was and was not covered, and this exclusion was not mentioned to me.

Insurer: Embrace

Veterinarian: Andover Animal Hospital

By: Wil

Useful

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