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.

58,154 total


February 05, 2026

This company took 300$ a month i feel robbed

This company took 300$ a month from me for years until I had 1 issue and they found a way to link any payout issues as pre-existing conditions so they never have to pay out ! Do not trust these people with your pets ! Or your future this is a policy that doesn't pay out ever !

Insurer: Embrace

By: Dan Dougherty

Verified February 05, 2026

Highly recommended - fast, efficient service!

I have never had to use my pet insurance until these last few months (actually, never really had pet insurance until a few years ago) but man, Pumpkin has exceeded my expectations on all counts! The submission process is easy to do and they communicate within 24 hours to let me know status. Plus, you can have direct deposit to your bank so there's a very short wait period before getting your reimbursement. I HIGHLY recommend them!

Insurer: Pumpkin

By: Lauren Case

Verified February 05, 2026

Submit your claim with ease.

I appreciate the ease of being able to submit the vet paperwork and the turn around time for the approval. Communication has been important for me and under what is covered and what is not.

Insurer: MetLife

By: Angie Taylor

Verified February 05, 2026

Good company to get pet insurance

Good company to get pet insurance. Filing is quick and easy with no bumps in the road.

Insurer: Spot

By: James Karasoulis

Verified February 05, 2026

Takes a long time to reach deductible

Takes a long time to reach deductible. Once you reach the deductible, it takes FOREVER to process the claim and pay out.... once the pay out is there, it's more like a coupon rather than insurance.

Insurer: Spot

By: Brian Schoenburg

Verified February 05, 2026

They make doing a claim easy and…

They make doing a claim easy and process the claim really quickly. Very easy to work with. Terrific company to work with.

Insurer: Spot

By: Ronald Sweeney

Verified February 05, 2026

Easy to submit and quick response.

Easy to submit and quick response.

Insurer: MetLife

By: Doxie Love

February 05, 2026

Pets Best has been wonderful

Pets Best has been wonderful! Claim processing and reimbursement is smooth and timely.

Insurer: Pets Best

By: Blg

Verified February 05, 2026

Excellent customer service and coverage.

Excellent customer service and coverage.

Insurer: MetLife

By: Debbie Lippincott

February 05, 2026

I just cancelled my policy for my dog…

I just cancelled my policy for my dog due to a huge increase in the monthly payment. I had been a customer since 2019 so almost 8 years. If I could upload pics here I would show proof. My policy online shows my payment should be $51.51 per month. My credit card got charged $75.82 every month. I got an email that my plan renewal NEW monthly fee will be $134.68! In my entire 8 years I haven't had a claim pay out more than $400, because I have a healthy dog who doesn't have accidents. Absolutely outrageous and disappointing. While on the phone today with an Embrace representative, she suggested that if we started a new policy for my dog, with a waiting period, with new updated pre-existing conditions, that the policy could be cheaper. I explained to her that as a loyal customer that option really just FEELS wrong. It is wrong to not take care of your customers. I hope this review prevents at least a few people from using this company. Company ethics are important.

Insurer: Embrace

By: Ana

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