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.

62,907 total


Verified December 20, 2025

Spot makes it really easy to fine my…

Spot makes it really easy to fine my claims for my pup. A quick turn around time as well. I had my direct deposit set up and received fund within a couple days a

Insurer: Spot

By: Myra Pina

Verified December 20, 2025

Very happy with this insurance and…

Very happy with this insurance and claims response time.

Insurer: Spot

By: Kate Hungerford

December 20, 2025

Had coverage on my 4 dogs for 7 years

Had coverage on my 4 dogs for 7 years, it's been great aside from the doubling of premiums each year for the past 2 years. Prior to that there were no premium increases. Claim submission and reimbursement is quick and easy. Even with increased premiums, it's saved me thousands over the last 2-3 years.

Insurer: Pets Best

By: Brittany Worden

Verified December 20, 2025

The claim process is very smooth

The claim process is very clear, easy and quick.

Insurer: MetLife

By: MDR

Verified December 20, 2025

Easiest experience I’ve ever had…

Easiest experience I’ve ever had submitted the claim as asked and the rest was streamlined

Insurer: Spot

By: Joseph King

Verified December 20, 2025

Submitted my bill for care rendered to…

Submitted my bill for care rendered to my sick dog. Got reimbursed w/in 48hrs. Thanks for that!

Insurer: Spot

By: Carol Fedun

Verified December 20, 2025

Easy to submit claims and…

Easy to submit claims and approvals/reimbursement has been faster than in the past which I greatly appreciate!

Insurer: MetLife

By: customer

December 20, 2025

Look anyway else but embrace!! Horrible!

Was denied as I was told a tumor is the same as dry skin/allergies. I was informed Danielle was the tech who reviewed my request and she would call me within 48 hours. That was Wednesday 12/17 and it’s now Saturday 12/20 with no update. My vet sent over all the previous docs, notes & recommendations she still no update. I should have listened to my vet when they told me to look at a different company for insurance as they’ve heard horrible stories with previous clients!

Insurer: Embrace

By: Liss Chapman

Verified December 20, 2025

Online submission

I found that the online forms to submit the claims helped with my reimbursement.

Insurer: MetLife

By: Nicole Ball

Verified December 20, 2025

Pumpkin is the Best

Pumpkin is the Best! Their associates are very attentive and my claims are processed so quickly. Having such a company that works with you rather than against is a wonderul plus. I highly recommend Pumpkin to all new puppy owners. Bark Bark (Toby's input)!

Insurer: Pumpkin

By: Dan

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