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


Verified February 08, 2026

Easy use of App

Easy use of App. Consistent and reliable service as well as claim processing for reimbursements. All as advertised!

Insurer: Spot

By: BJ Wilson

Verified February 08, 2026

Our claim was processed extremely…

Our claim was processed extremely quickly, less than one week. It was very easy to file the form on my phone using the Spot app. We really appreciate the help since our dog was diagnosed with lymphoma.

Insurer: Spot

By: CAROL FLEMING

Verified February 08, 2026

Always reimburses quickly.

Always reimburses quickly.

Insurer: MetLife

By: customer

Verified February 08, 2026

Trupanion has a great product and I…love Trupanion!

Trupanion has a great product and I believe they really care! Easy to submit claims and fast payments back to me. They are very responsive and supportive!

Insurer: Trupanion

By: Kathleen

February 08, 2026

Not my best experience with Pets Best, but not bad at all

I usually process all my claims through the app on my phone, but for some reason I was not able to do so for this claim. The extra steps to get the claim submitted were a little annoying, but not actually bad. The fact that I had no way to determine if they had even received my claim also stressed me out a bit, but they claim did get processed and I was notified once it was. 4/5 simply for the extra work and not knowing the status of my claim easily, but overall I still like the service provided by Pets Best.

Insurer: Pets Best

By: Cameron Sells

Verified February 08, 2026

Pumpkin! Best Pet Insurance out there!

I've been with Pumpkin Insurance for several years now. Two dog insured. When I had to file a claim, they made it easy. They have an online option and great customer support. I used both and they had my claim approved and paid within 24hours. Some insurance companies don't have the same breadth of coverage that Pumpkin has or they have much longer waiting periods. I rarely write reviews, but if you are searching for Pet Insurance, be sure to look into Pumpkin.

Insurer: Pumpkin

By: Michelle

Verified February 08, 2026

I am not sure why one of the…

I am not sure why one of the medications over$100 wasn’t covered?

Insurer: MetLife

By: customer

Verified February 08, 2026

Pumpkin is doing everything right

Pumpkin is doing everything right. What a relief that making the right decisions for my pets’ health and wellbeing despite high costs that go along with modern, excellent veterinary medical care is now as easy as can be. I love that they also innovate in regards to how to provide their services in the most efficient and effective ways, using client surveys and feedback to help guide the way. Their Pumpkin Now service helps bridge that gap when a pet guardian needs the claim approval and funds available almost immediately for a high cost treatment plan in an emergency.

Insurer: Pumpkin

By: JJ

Verified February 07, 2026

Healthy Paws helped…

Healthy paws was a very easy provider to work with and was quick with reimbursement. This is my first time having insurance for a pet and it made my decision making very easy.

Insurer: Healthy Paws

By: Gerard Heidkamp

February 07, 2026

After two years of paying premiums for…

Update Stay away from Embrace Pet insurance As expected by delay and continued requests for more information claim was denied. I’m glad I found out after small claim before needed in future. I’ll be better off putting the $1900 a year away I was paying them. With increases every year it would be more BTW I emailed as reply suggested , crickets I have replied with policy number they couldn’t find I stand by my one star review, all I was got was need more information even though vet sent everything requested. Embrace works hard not to cover After two years of paying premiums for 2 dogs, one had an issue that treatment total was about $100 over deductible. Even for this amount all I got was delays and Embrace looking for way not to pay claims. My advice is stay away from Embrace.

Insurer: Embrace

By: ron c

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