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.
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I claim was processed in less than a…
My claim was processed in less than a week. Thank you.
Insurer: Pets Best
By: William bossley
Protection for our four legged little friends
Unlike the experience I’ve had with some of these aftermarket car warranties Pets Best insurance has done exactly as they have described to do they take care of me when they need to and then there’s sometimes I’ll turn a claim in that they can’t pay on and that’s fine but they’ve been fair all along. I just filled a claim and was reimbursed nearly 3months dues with very little out of pocket. I think and while I don’t wish harm to anyone’s 4-legged little friend, hospital bills is where the real magic happens in terms of reimbursements.
Insurer: Pets Best
By: David Goodbary
I field claim on 10/23/25 didn’t hear…
I field claim on 10/23/25 didn’t hear back from them till 12/18/25 , and after all the wait they denied my claim as they said ear infection is pre existing condition!!!! , how can ear infection be pre existing condition… what a joke, and on the top of that u can’t get hold of someone nor login to get explanation how is ear infection is pre existing condition… I have been calling every day to cancel without any luck.. too much to deal with
Insurer: Pets Best
By: H.A
Makes claims so simple and pays very…
Makes claims so simple and pays very quickly. Highly recommend.
Insurer: Spot
By: Karen Izakson
Preexisting conditions
I wanted to get pet insurance for my dog. This dog isn't two years old and is perfectly healthy. It's a Yorkie. This our second Yorkie. The last one lived 16+ years. She lost her teeth because of gingivitis. All we had to do is mention to our current vet that our prior Yorkie lost his teeth and we didn't want it to happen to the new dog. Suddenly the new dog has a preexisting condition. What a bunch of crap. But after all they are an insurance company that doesn't pay. What a surprise.
Insurer: Spot
By: Scot Woolfenden
I love how easy it is using fetch and…
I love how easy it is using fetch and how fast payment is received
Insurer: Fetch
By: Kathy
Great service and we were reimbursed a…
Great service and we were reimbursed a good amount!
Insurer: Fetch
By: Whitney Call
Exactly as advertised!
Website is very easy to use. Our claim was for a planned surgery. Submitted pre authorization which as approved within a week. It only took 2 days from submitting the claim to receiving the reimbursement. I wish my medical insurers were this good.
Insurer: Embrace
By: Elizabeth Morningstar
Claims speedy and efficient
Claims made through the app were quickly resolved with speed and efficiency.
Insurer: Fetch
By: Kathryn
Pumpkin always answers the phone
Pumpkin always answers the phone. I can talk to a human not a robot. They help you right away. They are always responsive to claims and the turnaround is very quick. I cannot stress enough how helpful and supportive they have been to me during my dog’s many visits to urgent care and ER!! I could not take care of him without Pumpkin!!
Insurer: Pumpkin
By: Suzanne