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.

59,035 total


Verified October 08, 2025

What a simple process to submit a…

What a simple process to submit a claim. No issues getting the few claims processed in a timely manner and approved.

Insurer: Spot

By: Michael B

Verified October 08, 2025

I am so happy I decided to insure my…

I am so happy I decided to insure my pet with Spot! It has been so easy to file my claims directly from the app and receive my reimbursement very quickly! Everyone should have pet insurance and even better if you go with Spot!

Insurer: Spot

By: Holly Hinderberger

October 08, 2025

Easy to submit a claim

Easy to submit a claim

Insurer: Embrace

By: Jane

Verified October 08, 2025

Very Satisfied with Spot Pet Insurance

Very Satisfied with Spot Pet Insurance I purchased insurance shortly after we brought our 8 week old cavapoo home. She is now 18 months old and I have been very happy with the process to submit claims, the speed of processing and the overall coverage.

Insurer: Spot

By: Erin Fitzgerald

Verified October 08, 2025

Spot cat insurance

I find it a little difficult to navigate to file a claim, but they are prompt in completing your claim once filed! My vet is fairly expensive and Spot seems to.have a ceiling on what they pay. However, am very glad.we got this on our younger cat, as we spent thousands.out of pocket from the 13 year old cat we.inherited. from my mother in law!

Insurer: Spot

By: Carol

October 08, 2025

Embrace is Wonderful!

As a proud USAA policy holder, the Embrace through USAA experience has been excellent. The customer service people that I have spoken to on the phone have all been courteous, kind, professional and extremely helpful. The website and app are user friendly. Embrace has handled all of my claims fairly and quickly. I am completely satisfied with Embrace.

Insurer: Embrace

By: Jessica Nye

Verified October 08, 2025

You made the claim process easy.

You made the claim process easy.

Insurer: Spot

By: Debra Wirth

Verified October 08, 2025

Failed to payout simple inexpensive…

Failed to payout simple inexpensive claims.

Insurer: ASPCA

By: Sean Barrett

Verified October 08, 2025

Happy with Pumpkin!he app is very easy to use and rhe…

The app is very easy to use and the turn around time is very swift. I'm very impressed and would definitely recommend you to anyone with pets.

Insurer: Pumpkin

By: Karen

Verified October 08, 2025

Filing a claim and getting reimbursed…

Filing a claim and getting reimbursed is very easy. Highly recommend!

Insurer: Spot

By: David R.

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