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.
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Very quick turn around for claims
Very quick turn around for claims. Reimbursed as expected.
Insurer: MetLife
By: Judi
This company took 300$ a month i feel robbed
This company took 300$ a month from me for years until I had 1 issue and they found a way to link any payout issues as pre-existing conditions so they never have to pay out ! Do not trust these people with your pets ! Or your future this is a policy that doesn't pay out ever !
Insurer: Embrace
By: Dan Dougherty
Pet Spot is AMAZING
Last year I spent quite a bit of time reviewing pet insurance companies. It was no easy feat but am thrilled to have selected Pet Spot for my cat Cali. In mid-January 2026 had to take her to the vet twice. I submitted my claim and received covered reimbursement one week later. Customer service was extremely helpful in assisting me. The on-line claim process was clear and easy to follow. The coverage was exactly as stated within my policy and I am extremely pleased and have peace of mind going forward knowing Cali is covered for future needs. I recommend Pet Spot without hesitation. A great value and excellent coverage. Thank you!
Insurer: Spot
By: Margaret L. Garvin
Highly recommended - fast, efficient service!
I have never had to use my pet insurance until these last few months (actually, never really had pet insurance until a few years ago) but man, Pumpkin has exceeded my expectations on all counts! The submission process is easy to do and they communicate within 24 hours to let me know status. Plus, you can have direct deposit to your bank so there's a very short wait period before getting your reimbursement. I HIGHLY recommend them!
Insurer: Pumpkin
By: Lauren Case
It’s so easy to turn in a claim
I appreciate the easy way it is to turn in a claim and how quickly it was processed and directly deposited into my bank account. I love the peace of mind having pet insurance on my dog gives me.
Insurer: Spot
By: Lynne Bernier
Submit your claim with ease.
I appreciate the ease of being able to submit the vet paperwork and the turn around time for the approval. Communication has been important for me and under what is covered and what is not.
Insurer: MetLife
By: Angie Taylor
Good company to get pet insurance
Good company to get pet insurance. Filing is quick and easy with no bumps in the road.
Insurer: Spot
By: James Karasoulis
Takes a long time to reach deductible
Takes a long time to reach deductible. Once you reach the deductible, it takes FOREVER to process the claim and pay out.... once the pay out is there, it's more like a coupon rather than insurance.
Insurer: Spot
By: Brian Schoenburg
They make doing a claim easy and…
They make doing a claim easy and process the claim really quickly. Very easy to work with. Terrific company to work with.
Insurer: Spot
By: Ronald Sweeney
Easy to submit and quick response.
Easy to submit and quick response.
Insurer: MetLife
By: Doxie Love