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.

60,345 total


Verified March 31, 2026

I looked different pet insurances and

I looked different pet insurances and , decided to go back to nationwide . Great coverage. Thanks

Insurer: Nationwide

By: Michael Lyons

Verified March 31, 2026

Such a reputable company!

I have had dogs & cats all my life and never had insurance before. I felt very comfortable going thru Costco to get Figo cause of their reputation. Figo has treated me and my pets amazing prompt and any questions immediately respond and payment in my account fast. Thank you!

Insurer: Figo

By: Long Island

March 31, 2026

Thinks twice after reading my review

When our first dog died my wife found rescue, she made or pain easier, year after we saved life of another little joy. Both covered by PetsBest. I never had issues, paid 90/10, never cancelled Wellness Part, never complained about rising prices or claim processing time. Just loyal happy customer. All changed in one day. Little joy developed teeth issues. Took him to vet - he needed 12 teeth removed, life saving situation. Emergency situation! Pets Best claimed your dog health is our number one priority!?? They simply denied claim saying you have to wait 13 months before anything can be done!!!! Imagine you need live saving surgery and your insurance telling you to wait! Appeal says same - keep your dog in pain for 13 months until we will cover it. You people have no hearts at all!

Insurer: Pets Best

By: Alex

March 31, 2026

Quick & Painless Claim Setup

Quick & Painless Claim Setup. Fast reimbursement.

Insurer: Embrace

By: D. Gildner

Verified March 31, 2026

Denial of surgery

I had been paying on time every month for this service and when my vet said my cat did not have a pre existing condition and needed surgery it was denied. How can someone who has never seen my cat deny surgery he needs? So sad!!

Insurer: Prudent Pet

By: luvwooflive.com

Verified March 31, 2026

Staff have always been very helpful and…

Staff have always been very helpful and informative for me. The coverage has helped my fur babies a lot over the years

Insurer: Trupanion

By: Bernice

March 31, 2026

Very disappointed in Embrace

Very disappointed in Embrace. I switched to them because they partner with USAA. For the first few years, every time went to the Vet, Embrace found a way not to pay; whether pre-existing condition or just not covered. We wasted thousands of dollars. This year, my healthy 11 year old dog, they want $2,775.16 to renew for a year!! Ridiculous!

Insurer: Embrace

By: MJMROVER

Verified March 31, 2026

Dachshund surgery

We insured our young dachshund hoping we would never need it, but when she needed back surgery for a compressed spinal cord, we were so grateful we did. Pumpkin covered the max allowed, which made the costs something we could handle, rather than financially crippling. We were able to rush her into surgery, and a month or so later, the claim was paid. When we checked in with Pumpkin with questions, we received timely responses. And, our policy recently renewed so we continue to have peace of mind if anything were to happen in the future.

Insurer: Pumpkin

By: Kelly

Verified March 31, 2026

It is easy to submit a claim and…

It is easy to submit a claim and tracking/status updates are sent through email. Customer service via phone is professional and compassionate.

Insurer: Trupanion

By: rachel

March 31, 2026

Well visit and vaccines

"We went to the vet for all vaccines and a well check visit. I received a bill and receipt but it wasn't itemized. I submitted those and was emailed that I needed a more detailed explanation of treatment. I got the itemized bill from the vet and submitted it. The claim was completed very soon after all the necessary paperwork was done. They kept me informed of necessary paperwork needs and confirmed all items were complete. I have a detailed receipt of covered and not covered items as well as reasons for things not being covered. Overall we have only had positive experiences with Pets Best and feel secure knowing we have this insurance to help keeps our fur babies healthy! Highly recommend. "

Insurer: Pets Best

Veterinarian: Indian Trail Animal Hospital

By: Heidi

Useful

Compare top pet insurance providers plans.