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 21, 2025

Procedure to file a claim was very…

Procedure to file a claim was very straightforward and easy to do. I did my own estimate on what I thought I should be reimbursed based on the plan I chose. It was to the penny what Spot Pet Insurance paid. Very happy.

Insurer: Spot

By: Carl Freeman

September 21, 2025

Easy document submission!

Easy document submission!

Insurer: Embrace

By: Patricia Marvets

Verified September 21, 2025

They are very quick to respond to…

They are very quick to respond to claims that I've filed. Reimbursement takes just a few days to receive.

Insurer: MetLife

By: DeeDee

Verified September 21, 2025

Easy and prompt!…

I appreciate the easy claim filing and prompt reimbursenent. Thank you

Insurer: Pumpkin

By: Debbie

Verified September 21, 2025

Pumpkin helps me take extraordinary care of my fur baby

Pumpkin covers the diagnostics and treatments my elderly Shih Tzu, JuJu's, needs. I am so grateful for Pumpkin. Because of his insurance, I am able to make decisions for JuJu based on what's in his best interest. I don't have to stress over the money.

Insurer: Pumpkin

By: LYNN M. BRAZ

Verified September 21, 2025

Spot is the first pet insurance we have…

Spot is the first pet insurance we have placed on our pets. The claims process was straight forward. The reimbursement came back to us for the 2 claims. The first was received in about 10 days, the second was within 5 days.

Insurer: Spot

By: MICHAEL BRISBIN

Verified September 21, 2025

My claim was reviewed super fast and…

My claim was reviewed super fast and the payment was in the bank as promised. Great service.

Insurer: Fetch

By: Lori

September 21, 2025

This pet insurance is amazing

This pet insurance is amazing. Customer service is so nice and helpful. My dog suffered from mengioensifalitis and had seizures from it. The hospital bill was outrageous but I submitted the claim and had reimbursement for my bill within 10 days, which was plenty of time to pay the credit card bill that I put it on. I just cannot recommend a better pet insurance.

Insurer: Embrace

By: Laurie Large

Verified September 20, 2025

This is the first claim I have…

This is the first claim I have submitted to Embrace, the customer service has been excellent. My claim was paid within three days after my submission. I am very pleased with the service from Embrace.

Insurer: Embrace

By: Marilyne Nickerson

Verified September 20, 2025

Spot pet insurance for my cats

I actually refund about 40% of preventive care for both my cats which cost over 600$. So far loving Spot Pet Insurance! Submitting claims were easy, processing a bit slow but not too bad! Mike T

Insurer: Spot

By: Michael Truong

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