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 September 30, 2025

I love Pumpkin

I love Pumpkin! They’re always there when I need them and reimburse me quickly for services.

Insurer: Pumpkin

By: Lourie

Verified September 29, 2025

Easy claim process

Easy claim process. Quick processing and direct deposit of our reimbursement. Was expecting a hassle based on history with previous pet insurance company for a different dog. Previous insurance company always managed not to pay a claim. SPOT is fantastic. Thank you for living up to my expectation for a pet insurance company!

Insurer: Spot

By: Bill Rickley

September 29, 2025

I love Embrace

I love Embrace, they are quick to respond and reimburse payments. I have a happy healthy dog and Embrace is a big part of it.

Insurer: Embrace

By: Veronica

Verified September 29, 2025

Great insurance for pets

Great insurance for pets! Excellent coverage and fair reimbursements.

Insurer: Pumpkin

By: Ashley

September 29, 2025

Easy claim submission and equitable…

Easy claim submission and equitable reimbursement

Insurer: Pets Best

By: Paula Nelson

September 29, 2025

Karley

Spoke with Karley and my experience was amazing! She explained everything in a way it was easy to understand with anwsers to all my questions. Additionally provided guidance on which plan would be best for my pet. Wren is in great hands with this insurance coverage. Thank you Karley you are the best 🐶❤️

Insurer: Fetch Canada

By: Tracey Edwards

Verified September 29, 2025

The turnaround time between submitting…

The turnaround time between submitting documents and approval was impressive! Everything happened so quickly and we were reimbursed promptly. Thank you!!

Insurer: Pumpkin

By: Julie

Verified September 29, 2025

Spot is very quick to respond to claims

Spot is very quick to respond to claims

Insurer: Spot

By: Deann Kelsey

September 29, 2025

Cancelled Policy due to cost

I have been an Embrace customer for roughly 8 years. I counted myself a very satisfied client up until recently. About 4ish months ago added in my puppy, Milo. I had filed a claim for Milo because said dorky puppy ate a mushroom and got pretty sick. Long story short, emails were exchanged, the point of the emails were unclear until I called in and a very patient individual spoke to me in non-insurance speak and explained the issue. However, in my frustration prior to the call I went shopping for new insurance. After checking with a very large online dog community of dedicated sport dog enthusiasts I opted to investigate a couple of alternate insurance companies. Much to my surprise, I discovered I could get insurance with a higher reimbursement rate, no annual limit, a slightly higher deductible, and added in some routine care (spay, vaccination, etc) for less. Much less. I can cover all 3 dogs, ages 7, 2, and under 1 year, for about $40 less a month. In these rough economic times, customer loyalty is out the window. I'll take the extra $480/year in my pocket.

Insurer: Embrace

By: Sharon Gretch

Verified September 29, 2025

Two of my claims have been processing…

Two of my claims have been processing for around two months now. The first claim I had to resubmit because they forgot to reimburse me for my second transaction in the claim. Then I had to resubmit several documents several times for both claims.

Insurer: MetLife

By: customer

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