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 05, 2026

Easy to file claims and fast turnaround!

Easy to file claims and fast turnaround!

Insurer: Pumpkin

By: Amanda Lovgren

Verified February 05, 2026

You guys are amazing

You guys are amazing my Bella had her surgery on Monday February 2 and I picked her up on the 3rd and checked my bank account on the 4th and you had already paid 4680.00 dollars 0f her bill that was 5120.00, Thank you so much

Insurer: Pumpkin

By: Betty

February 05, 2026

SPOT PET INSURANCE IS THE BEST

I am so thrilled that I selected Spot Pet Insurance last year when I reviewed many different companies. I recently had a claim and was so very impressed with the outstanding level of customer service/support and how effortless filing my claim was. It was a very stressful time as I had not only visited my regular vet but an emergency clinic a couple of days later when my regular vet's office was closed. The process for filing a claim was very straightforward and most amazing was how quickly my claim was processed. From the time I submitted my claim until I received reimbursement was only one week! This was so amazing and all terms of my policy were met. Without a doubt I made the right selection and so very pleased with Spot Pet Insurance. I highly recommend them.

Insurer: Spot

Veterinarian: Hillcrest Veterinary Clinic

By: Margaret

Useful
February 05, 2026

I’ve been with them since I adopted my…

I’ve been with them since I adopted my dog I believe now 3yrs ago. For the most part he’s been healthy except for a couple times when he got into a coffee pod which required an emergency vet visit which was quite expensive I met the deductible and they paid quickly. Their customer people have always been very friendly and helpful. I did have to lower my reimbursement rate due to the higher rate increase. I do like the wellness policy as it covers all his vaccinations and even his dental chews. I know what to expect from Embrace and will keep them.

Insurer: Embrace

By: Tedd

Verified February 05, 2026

Fast and accurate claim processing

My claim was processed correctly, and payment received directly to checking account, within a week of submission! Great communication on claim status, as well. Well done.

Insurer: MetLife

By: Karl

Verified February 05, 2026

Took care of the claim in a very timely…

Took care of the claim in a very timely matter. It just took a while to get the check.

Insurer: Trupanion

By: Jean Buford

Verified February 05, 2026

Incredible insurance company

I’ve been with Healthy Paws since my dog was a puppy, and they’ve honestly made some really stressful moments a lot easier. Filing a claim is simple, they don’t nitpick or push back, and reimbursements come through quickly. When you’re already worried about your dog, not having to fight insurance or jump through hoops means everything. I’m genuinely grateful for how easy seeing specialists and making decisions has been because of them. Would absolutely recommend.

Insurer: Healthy Paws

By: Chloe

Verified February 05, 2026

Healthy Paws is one of the main reasons my baby is alive today.

Healthy Paws is one of the main reasons why my cat is still alive today. My cat was diagnosed about 2 years ago with a rare disease. Healthy Paws has been amazing with the submitting and reimbursement of claims. Whether it is emergency vet visits or the monthly tests and medicines that are needed to keep him alive, Healthy Paws is always there to help with the bills. I can't say enough good things about this pet insurance.

Insurer: Healthy Paws

By: R. Rosenberg

Verified February 05, 2026

Trupanion had our back with 2of our pets inhospital at the same time

In this difficult time with two pets in the hospital with cancer emergencies Trupanion had our back with estimate preapproval and direct payment to the hospital so we could focus on care and not worry about finances! Even the condolences came immediately with refund of dues after we lost one of the two.

Insurer: Trupanion

By: Ariane Goerlich, DVM

February 05, 2026

We have had both of our boys covered by Embrace for several years now. They have consistently been responsive and reachable. I appreciate being able to talk with a live human being when I call.

We have had both our boys covered by Embrace for several years now. Their agents are quick to respond, and I appreciate being able to speak to a real human being every time I call. Claims are usually processed within a day or two, and my refund appears in my bank account just as quickly. I had a glitch with a claim a week ago, but they think it was a technical issue which they are working to correct. Meanwhile, my claim has been processed. I can confidently recommend Embrace to pet owners.

Insurer: Embrace

By: Barbara Williams

Compare top pet insurance providers plans.