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

Supposed to get 70% back

Supposed to get 70% back! That didn't happen! I'm dropping my policy!!!

Insurer: Spot

By: Patti Molero

December 20, 2025

Very easy to complete and easy to…

Very easy to complete and easy to understand coverage.

Insurer: MetLife

By: customer

December 20, 2025

I’m not super in love with Embrace

I’m not super in love with Embrace. I feel as if they are slow in their claim review. My vet’s office is overwhelmed so I have to get my records from them to submit to Embrace but have had to, on more than one occasion, sent a reminder through the portal to take action on the review. I also think that their disclaimer review is sweeping and punative to older dogs adopted out of shelter.

Insurer: Embrace

By: Miranda Aleksiak

December 20, 2025

Very easy to submit a claim

Very easy to submit a claim, but each year the monthly costs for the premium get higher and higher. Not sure I can continue next year.

Insurer: MetLife

By: ATWSTAR

December 19, 2025

Easy to navigate and complete quickly

Easy to navigate and complete quickly

Insurer: MetLife

By: Carlo Achdjian

December 19, 2025

Super easy to submit bills

Super easy to submit bills. Love it!

Insurer: MetLife

By: Amy Primus

December 19, 2025

First off pumpkin sent me paper copies…

First off pumpkin sent me paper copies of my policies so I can reach for them at any time if I have a question. There are no surprises and everything is very clear. No guessing or wondering. Pumpkin even sent me a mailed ( to my home) EOB ( just like my insurance) which was wonderful. They paid and explained everything and even direct deposited my refund. Very easy to work with and no guessing!! Thank you pumpkin Angela Hill

Insurer: Pumpkin

By: Angela

December 19, 2025

Easy to submit a claim

Easy to submit a claim. Turnaround time was quick! Thank you

Insurer: MetLife

By: Jason

December 19, 2025

No complications with my claims

No complications with my claims. Straightforward answers just had to do a follow-up and everything was taken care of.

Insurer: MetLife

By: Albert K.

December 19, 2025

Affordable, reliable!

Affordable, easy to sign up, mobile app is great, and I received my first reimbursement for an emergency situation last month. My claim was paid in under 30 days. Exceptional!

Insurer: Spot

By: Lola Schur

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