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.

64,657 total


February 26, 2026

Insurance for my Cat

We’ve had insurance with Spot for our cat for about 2 years now and have yet to be disappointed! My claims have always been processed within 1-2 days, and reimbursement via direct deposit is fast too! They cover A LOT, I even had to get extra bloodwork for her at her last annual, and a large portion of it was covered. You definitely get what you pay for, and it’s very worth it!

Insurer: Spot

By: Kaela Wilson

February 26, 2026

Reimbursed what I expect

I always get reimbursed the amount I expect. Which is great. What is not so great is that their portal (app or website) for submitting claims hasn't been working for months. It takes an extra 2 weeks to process a claim when submitted via email since there is such a backlog. Please fix this.

Insurer: Pets Best

By: Heather

February 26, 2026

Received reimbursement for puppies…

Received reimbursement for puppies surgical procedure. Happy thank you

Insurer: Fetch

By: David

February 26, 2026

The claim was processed quickly and I…

The claim was processed quickly and I didn’t have to jump through a bunch of hoops.

Insurer: Spot

By: Amanda S.

February 26, 2026

Very pleased with Fetch

I've never had pet insurance before till my recent kitty, and I was very pleased with how easy it is to use. The cost is very affordable and submitting claims may seem a little daunting to some, but it is rather easy. Also, once claims are approved and cashed out, they are deposited directly into your banking account, if that's how you choose to receive payment.

Insurer: Fetch

By: Chuck

February 26, 2026

Prompt and Efficient Claims Processing

I recently had to take my pup to the emergency vet early Sunday morning, and the bill was understandably expensive. I submitted the invoice through the MetLife Pet app on Monday and was pleasantly surprised to receive the reimbursement by Friday. I really appreciate the fast and smooth payment process.

Insurer: MetLife

By: Marlene King

February 26, 2026

That in an emergency that my dog is taken care of no matter what!

It's dependable when I need the insurance for my animal!

Insurer: MetLife

By: Pamella Marez

February 26, 2026

Pumpkin has been easy to work with

Pumpkin has been easy to work with. I submit my claim and they quickly process it and I get reimbursed. I couldn’t imagine not having pet insurance.

Insurer: Pumpkin

By: Mandi

February 26, 2026

THE BEST!

Embrace Pet Insurance responded to a claim submitted in less than 24 hours. Jacob who answered the phone explained and answered my questions so patiently since my accent is so thick. He was so polite.

Insurer: Embrace

By: Lola Hogle

February 26, 2026

Claiming filing process was easy and…

Claiming filing process was easy and reimbursement was exceptionally timely.

Insurer: Trupanion

By: Jacqueline

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