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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Our First Experience With Embrace!
Recently, our rescue puppy, JR, now 9 years old, required surgery for an ear hematoma. We have had Embrace Insurance since we brought him home but until now, had never used it, so I was a little apprehensive about filing a claim. I have to say that it was one of the easiest, most transparent processes I have ever been through with any insurance company. I uploaded the invoice from the vet, answered a few short questions, and the submission was done. The time was 3:18 pm EST. At 3:34 pm EST I received an email acknowledging the submission and giving us the good news that the claim was complete and that the surgery was covered by our policy! Embrace kept me informed every step of the way, the submission process was simple and clear, and the resolution was lightning fast! I am still shaking my head in disbelief at how easy this was, and thankful that I kept this coverage from the beginning. This is a great company that I highly recommend! Well done, Embrace!!! And THANK YOU!!!
Insurer: Embrace
By: Alan Landry
Embrace is great!
Embrace is a great company to insure your pets; we have worked with them for at least 10 years. Submitting claims is easy, they cover a great amount, and I have never had issues with them. It's nice to have the trust that our pets can get the care they need, and we can afford it because of Embrace.
Insurer: Embrace
By: Julie Wensel
Spot is the best pet insurance route you can go!
Spot is the best possible pet insurance I could've gone with. They were quick and reliable with processing my claim and refunding me. As well as being kind and thoughtful enough to call me and personally send condolences for my cat who passed away recently. That meant the world to me. I will continue with Spot insurance since I trust them to fully take care of both me and my cats. Thank you.
Insurer: Spot
By: Caitlynn
The claim process was easy and fast
The claim process was easy and fast! Once they approved my claim payment came the next day! So glad I chose Spot for my Chloe.
Insurer: Spot
By: Tainesha A Wilson
A great, smooth experience.
A great, smooth experience. From the moment the claim is opened, uploaded medical documents, and a complete invoice until the funds are received, it takes 1.5–2 weeks.
Insurer: Spot
By: Viktor
Spot is great
Spot is great. My dog had a very unexpected illness that required an overnight emergency vet stay. Spot saved me thousands of dollars.
Insurer: Spot
By: Kelly P.
Quick and easy process
Trupanion paid the vet directly.
Insurer: Trupanion
By: P. Whitten
explaining benefits and going into…
explaining benefits and going into detail about the insurance policy.
Insurer: Nationwide
By: Eric
What a joke
I spoke to someone this morning about my claim for an accident that happened on Halloween. The claim isn’t even under review yet! The lady told me that their claims typically take 2-4 weeks to process. I asked her if my credit card charges me in interest for the bill that’s almost $7k, if they pay my late fees and she said no, maybe I can call the hospital my pet was seen at and they could pay my fees. ?? What a joke. Don’t waste your time with Figo
Insurer: Figo
By: Tatiana Gomez
Easy enrollment
Easy enrollment. Good coverage, reasonable fees.
Insurer: Prudent Pet
By: Gary