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 15, 2025

Great & easy to use!

Love how easy it is to file claims! Luckily I don’t have to use it often but enjoy the peace of mind that’s there if I need it for my boy!

Insurer: Spot

By: Olivia Smith

September 14, 2025

Customer service is great and claims are paid fast

Customer service is great. So nice not to have to do everything via email or chat. The phone reps pick right up. So easy to submit a claim and get reimbursed. All claims have been paid as outlined in the policy with no issues. I normally get deposit 48-72 hours after I submit my claim. So far they have paid almost $9k this year due to my dog being diagnosed with Lymphoma.

Insurer: Embrace

By: John Morrison

Verified September 14, 2025

Fast turn around time and ease of…

Fast turn around time and ease of submitting claims.

Insurer: Spot

By: LindaOrleanski

Verified September 14, 2025

Fairly quick to reimburse & website is…

Fairly quick to reimburse & website is easy to navigate

Insurer: Spot

By: Barry Hans

September 14, 2025

It takes a VERY long time for the claim…

It takes a VERY long time for the claim to process and get reimbursed back.

Insurer: Pets Best

By: Lyn

September 14, 2025

Easy to use

This insurance company is easy to submit claims and the reimbursement was on my account within 3 days. So far I am very satisfied with embrace

Insurer: Embrace

By: Bobbie Ross

Verified September 14, 2025

Highly Recomend!

Have had a great experience with Pumpkin- super fast payment of claims,coverage of things other insurances exclude, overall great experience over the last 5 years of being a customer! Highly recommend!

Insurer: Pumpkin

By: Jennifer

Verified September 14, 2025

YourMidleading explanation of coverage is…

Your explanation of coverage is misleading. My plan says it covers surgery, and spaying is surgery. I also have a preventative policy. Your website indicates that spaying as preventative, but doesn’t make it clear that the Gold tier doesn’t include spaying. I will be taking my coverage for both my dogs elsewhere.

Insurer: Spot

By: Kathleen Zobel

Verified September 14, 2025

Total scam

Total scam! Go with a different option. You end up paying MORE using Spot just to have a membership - they cover almost nothing.

Insurer: Spot

By: Mark Daunis

Verified September 14, 2025

Fast and easy to submit a claim

Fast and easy to submit a claim. Processed within a few days!

Insurer: Spot

By: Ann Hahn

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