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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Pumpkin Delivers Compassion!!
We received positive, prompt & professional compassionate service during our phone calls. Also received a prompt response to the claims we submitted for our sweet Coco’s emergency surgery which was over $5000!
Insurer: Pumpkin
By: C. Sawdey
Filing my Annual vet visit claim was…
Filing my Annual vet visit claim was easy, efficient and I got my reimbursement within 48hours. I'm on a budget and Pumpkin just made me feel so at ease with getting important care for my fur babies.
Insurer: Pumpkin
By: Tammi Meinking
Pumpkin is amazing!!
Pumpkin is amazing!!! Absolutely love the coverage and transparency
Insurer: Pumpkin
By: Mark Z.
First trip to the vet was a success!
Took our new puppy to the vet for the first time. The shelter we got him from had already done the shots, microchipping and neutering so we just needed a wellness visit and some medical guidance now that he finished heartworm treatment. Not only was he the happiest pittie at the vet, but he got a clean bill of health. Later that night I submitted my claim and inly Two days later got my explanation of benefits. I understood all of it- they covered $66 of the $82 I spent, but what wasn't covered was easy to understand (vet's visit is more than what we get covered in our policy). I had no questions and within A few days the money was direct deposited in my account. I hope that I don't need to use it again but feel good knowing it is there if I need it.
Great experience with first claim
I submitted my first claim after having Embrace insurance for my dog for 7 years. It was a very easy and fast process. The peace of mind provided by having insurance is huge benefit. It made the decision to have surgery for my dog a lot easier to swallow despite a large price tag. I definitely recommend and will continue to be a customer!
Insurer: Embrace
By: Doug
Pumpkin is extremely fast
Pumpkin is extremely fast, however I have received only the one reimbursement when 2 were sent. Pretty sure it’s my post office but without a tracking number I have no way to figure out where that check is.
Insurer: Pumpkin
By: Stephanie
Simple
Simple to provide documentation for veterinarian wellness visit.
Insurer: Pumpkin
By: David
Best Financial Decision
I'm so thankful I got Pets Best insurance. My labradoodle puppy was totally healthy until about 14 months, when he started having seemingly unsolvable digestion issues. Because we had such good coverage, I could say yes to a full diagnostic workup from a specialist, which ended up incurring ~$10K in vet bills by the time his issue was diagnosed. Pets Best reimbursed us 90% for all the tests, meds, imaging, laparoscopy and anesthesia - everything the policy promised. Without it, Stanley would still be a very sick doggy and I wouldn't have professional guidance or tools to keep him at optimal health. Thanks to Pets Best for making claims easy to file, for clear, responsive communication, and most of all for paying for 90% of my dog's treatment costs.
Refused reimbursement
This insurance company is a scam. My pet was scheduled for a dental cleaning. However, the vet discovered he had severe gingivitis when prepping him for the cleaning and he needed 16 teeth pulled. Filed a claim with Embrace and it was our first claim ever with this company ever since we insured the pet 4 years ago. Every year the policy price keeps climbing, but they outright denied our 2k dental bill because they blamed the vet for only coded the bill as “wellness”. I asked customer service on the phone why the claim was denied, and Cassie told me I should go blame my vet because they refused to break down the bill on how much of it was dental cleaning. I asked Cassie how much cleaning does she think my pet needed done when he had 16 teeth pulled. And she kept telling me there is nothing they can do and to call the vet. Do not recommend.
Insurer: Embrace
By: Iris Dieu
My claim was handled quickly
My claim was handled quickly. However, I did send an email asking for a breakdown of the payment and haven't heard back.
Insurer: Spot
By: PAMELA