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.

64,674 total


December 20, 2025

The claim process is very smooth

The claim process is very clear, easy and quick.

Insurer: MetLife

By: MDR

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

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

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

December 20, 2025

Online submission

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

Insurer: MetLife

By: Nicole Ball

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

December 20, 2025

I was happy with the quick response

I was happy with the quick response. Usually, it takes a little longer to get reimbursed. No other issues. Thank you for taking the time to reimburse me quickly, during the holiday season. I appreciate it.

Insurer: MetLife

By: Lori Cortes

December 20, 2025

I received my reimbursement in a timely…

I received my reimbursement in a timely manner.

Insurer: Fetch

By: Amanda

December 20, 2025

Nationwide paid out on our sick dog

Nationwide paid out on our sick dog, who became ill like a month after I signed up with NW. The only issue I had was communication was difficult. It did take them about 30 days to payout, but they came through in the end, even when I had to put my dog down. Which was awful.

Insurer: Nationwide

By: Constance Ross

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