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


September 13, 2025

Submitted claim

To submit a claim the process was super easy and quick. Not complicated at all which is a big plus. The photo option and drop downs on the reasons for the claim were helpful.

Insurer: Embrace

By: Fernando Marin

September 13, 2025

User friendly

User friendly - smooth claims process - clear plan details

Insurer: Embrace

By: Josh Barker

September 13, 2025

I have Two dogs insured with PB

I have Two dogs insured with PB, one is 8 and one is 2. This company has been supportive and consistent with paying claims. Sometimes it takes longer than I like and a few times I have had to call cs but I am happy with the plan I signed up for. It’s important to decide on your deductible, copay and annual limit before signing bc those things can’t change easily afterwards. And premiums have increased a lot. I am locked in forever due to preexisting conditions so that’s a concern.

Insurer: Pets Best

By: cheryl petrie

Verified September 13, 2025

My fur baby got sick spent 4 days in…

My fur baby got sick spent 4 days in the hospital. Turned in form etc.... they covered my policy QUICK! No hassle! Wish everything else was so dependable. LOVE LOVE LOVE Spot Pet Insurance!

Insurer: Spot

By: Roland

Verified September 13, 2025

Very happy with the results and speed…

Very happy with the results and speed of getting reimbursed

Insurer: Fetch

By: Georgia

Verified September 13, 2025

Good communication and claim quickly…

Good communication and claim quickly paid

Insurer: Pumpkin

By: Spotz'

Verified September 13, 2025

Best pet insurance ever

When I called to get, I don’t know if it’s called preapproval but the equivalent of preapproval for my dog surgery I was told yes absolutely it would be covered submitting the claim was so easy and I received reimbursement of 90% within 3 to 7 business days no questions asked no delays.

Insurer: Pumpkin

By: Christina Kissick

September 13, 2025

Healthy Pet Insurance never paid one…

Healthy Pet Insurance never paid one claim that I submitted, and then they more than doubled my rates. You are far better off self-funding your own insurance. Beware.

Insurer: Healthy Paws

By: Michael Smith

Verified September 13, 2025

Very efficient

Very efficient, simple process, immediate payment. Couldn't ask for a quicker response and delivery.

Insurer: Pumpkin

By: Michael Micciche

Verified September 13, 2025

Timely processing

Timely processing. Ease of processing.

Insurer: Spot

By: Shannon Tropp

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