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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Great Insurance
My dog was having serious problems with urinating which ultimately required bladder surgery to remove numerous stones. The bill when all was finished was in excess of $3K. I submitted my invoices on Sunday and I had a response from HeathyPaws the next day that they had been received and were beginning processing. By Wednesday of the same week I received my payment. Also included was a complete explanation of how the reimbursement was calculated. I am very pleased with the service they gave me on my claim.
Insurer: Healthy Paws
By: Winnie
Prompt reimbursement
Prompt reimbursement, easy to file claims. Very happy with my pet insurance.
Insurer: MetLife
By: customer
Quick claim review/easy process
Quick claim review/easy process
Insurer: Spot
By: Jennifer Mimoso
Claim experience is simple and quick!
Claim experience is simple and quick!
Insurer: MetLife
By: customer
Wow! Excellent insurance! Highly recommend!
I’ve had Healthy Paws Pet Insurance for several years after switching from another company whose prices got way too high. Thankfully, I never had to make a claim until now. My dog had 2 emergency GI events occur with a week of each other. And EVERYTHING that should have been covered was. And it was done so simply and quickly. I’m very grateful and thankful to Healthy Paws for allowing me to totally focus on my dog’s health and not the finances of it all.
Insurer: Healthy Paws
By: Beth
Feeling Scammed by Embrace‘s Crooked Wellness Policy
If I could give negative stars, I would. After a simple miscommunication between my husband and me, we realized that neither of us had submitted the receipt for our pet’s tick and flea prevention — something covered under our wellness plan. We pay $225 (split over 12 months) for $250 in annual wellness coverage. Unfortunately, Embrace requires all wellness claims to be submitted within 60 days of the policy renewal date. Because we discovered the mistake after that deadline, Embrace refused reimbursement and kept the $225 we paid. This policy feels intentionally deceptive — a crooked setup designed to profit from policyholders’ honest mistakes. It’s an unreasonable, customer-unfriendly practice that punishes loyalty instead of rewarding it. My advice: stay far away from the Embrace wellness plan. The tiny $25 “benefit” isn’t worth the risk of dealing with such rigid, unforgiving policies built to take advantage of policyholders.
Insurer: Embrace
By: Eryn
Pumpkin pet insurance is the best…
Pumpkin pet insurance is the best around. Claims are easy to file and reimbursements are quickly given. Our 2 year old dauschaund unexpectedly passed away and they were very kind and caring. Not only did they cancel my plan and reimbursement me timely but also sent a nice gift in memory of my fur baby 🐾
Insurer: Pumpkin
By: Jenny Rosengrant
Never use this insurance company you…
Never use this insurance company you will regret it very much, this company wants to control you completely through the app, whether you are a driver or a passenger they evaluate your driving, they can stop your insurance at any time without explaining the reason. I have been waiting on the phone for 2 hours to talk what happened? When I opened the app my insurance increased from 300 to 500 dollars, I don't understand at all, no violations or anything that could raise the insurance. They just stopped all the last payments, They are just liars.
Insurer: Sonnet
By: Star Line
Wonderful expedient experience and reimbursement
I’ve had embrace pet insurance for many years now and my 10 year seven month old golden Shepherd was diagnosed with congestive heart failure an arrhythmia. Embrace has been wonderful about reimbursing me for all the medicines and Cardiology appointments.
Insurer: Embrace
By: Loretta Lighthart