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.

64,657 total


November 11, 2025

Love our pet insurance

After losing my beloved dog Max to lymphoma cancer, we decided after getting a new puppy named Poppi, that we would get pet insurance so should we ever face a life and death diagnosis again it would help make our decisions easier. We chose this company after taking to another pet owner during Max's surgery when she told us how wonderful Pets Best insurance is. She was right so far we are very pleased they have covered our new puppy's care. We did purchase their best well care program through Pets Best

Insurer: Pets Best

Veterinarian: Animal Hospital

By: Annette

Useful
November 11, 2025

Terrible service, money wasted

They never pay claims, they always find a way to avoid it. It's the worst service I know; paying for this is practically a charity.

Insurer: Pets Best

By: Ruben

Useful
November 11, 2025

I have been with Trupanion since 2010

I have been with Trupanion since 2010! Rusty is my 3rd pet I’m insured with. My baby has heart disease and Trupanion is always by my side. I recommend it to every pet owner. I don’t particularly like the increases in my monthly payments cuz I’m not working but they always do the right thing for me and my fur baby! With insurance I can always do the right thing for my pet, my baby. I never question taking him to veterinarian because I’m confident Trupanion will be with me! I Highly recommend Trupanion pet insurance company for all pets!

Insurer: Trupanion

By: Anet

November 11, 2025

worst insurance - do not waste your time or money -

ALL claims are denied on the pet having a prior SYMPTOM prior to policy's effective date. It's a loophole not to pay! If your pet ever had vomiting, diarrhea, or itching, and it's listed as a symptom in any NEW doctor visit, IT WILL BE DENIED because it is a prior SYMPTOM. EXAMPLE: puppy ate something, took him to the vet because he was vomiting and had diarrhea. Insurance will NEVER cover ANYTHING that he gets that has diarrhea or vomiting.

Insurer: Pets Best

By: elizabeth

Useful
November 11, 2025

Great overall experience

Great overall experience. Fast reimbursements. Thank you!

Insurer: Pumpkin

By: Arthur

November 11, 2025

Embrace has covered my cats for nearly 15 years

Embrace has been covering my two cats for most of their 15 years. It has been easy to file claims. I receive electronic reimbursements. I have peace of mind that I can continue to afford and pursue quality care for my boys as they age.

Insurer: Embrace

By: Susan Ziobro

November 11, 2025

Simplicity of use.

Simplicity of use.

Insurer: Embrace

By: Shawna Handschug

November 11, 2025

Always Great to work with

Trupanion has made a significant impact on the care I can provide for my sweet girl. Her life-saving surgery was covered, and they were super easy to work with.

Insurer: Trupanion

By: Darcy

November 11, 2025

Unfortunately I trusted Costco when I…

Unfortunately I trusted Costco when I signed up for this health insurance for my dog. Each time I send a claim, it comes back denied. When I call them they never know why is denied. They want notes from the Vet which is on the invoice and discharge paperwork. They still insist that they need more paperwork. They also charged us more for deductible because I went on my own to look for the a policy from them online and it was half deductible than the one they offered when I got it through Costco. Very awful customer service, everything is denied. They barely answer emails. I cannot believe this company hasn't gone out of business yet.

Insurer: Figo

By: Mercedes Schlaffer

November 11, 2025

Fast and easy submissions

Fast and easy submissions! Great coverage!

Insurer: MetLife

By: customer

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