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


September 27, 2025

First claim was easy to submit

First claim was easy to submit. All instructions clear and no tech hiccups.

Insurer: Embrace

By: Caroline Bombar-Kaplan

September 27, 2025

Quick and accurate Claim Coverage

Our Claim was accepted quickly and accurately!

Insurer: Spot

By: Vanessa C

September 27, 2025

Did I make a mistake

So far since I made the switch to Embrace I haven’t been impressed. The first time I submitted a claim I was getting emailed to explain the issue and my vet had to explain and send in history. My other insurances never was this hard to make a claim. My pay was usually deposited in 72hours. I’m now starting to wonder if I made a mistake by switching.

Insurer: Embrace

By: David White

September 26, 2025

5 stars

5 stars! Spot insurance has been nothing but great. Having this coverage has been such a huge relief emotionally and financially. I keep telling every person I know to look into this insurance. My furbaby has been experiencing sudden health issues and we all know that cats hide their symptoms very well. Because of this coverage, I have been able to keep up with my furbaby’s medical appts without delays and know that I will be reimbursed in time to schedule his follow up appt. The best part is that my reimbursements have been processed and deposited into my account in less than 12 days. I’m so grateful and this has been a learning experience for me. Don’t let your pets suffer in silence, pay that monthly fee and get your babies covered.

Insurer: Spot

By: Joanne Donneys

September 26, 2025

Great customer service and quick claim…

Great customer service and quick claim review and payment.

Insurer: Spot

By: Jenny Lilly

September 26, 2025

Twenty one days since my dog's…

Twenty one days since my dog's emergency visit and they just emailed me to tell me they needed more medical info from my Vet. This is taking much longer than it should.

Insurer: Pets Best

By: Enn Deedown

September 26, 2025

Quick and easy!

Ease of filing a claim and quick processing.

Insurer: Fetch

By: treeves

September 26, 2025

Very easy to deal with

I couldn’t be happier with this pet insurance! The sign-up process was simple, and the coverage options are straightforward and easy to understand. When my pet needed unexpected care, the claim process was quick and stress-free—exactly what you need during a difficult time. Reimbursements were processed faster than I expected, and the communication throughout was excellent. Knowing I have this insurance gives me real peace of mind that my pet will always get the best care without the financial stress. Highly recommend to any pet parent!

Insurer: Embrace

By: Suzette Gramm

September 26, 2025

Spot Pet Insurance

The process to file a claim is easy and quick. The website is very user friendly. Spot Insurance advises you as each step of the claim is completed. A complete breakdown of the items covered and those not covered is available on the website. I had my payment direct deposited into my checking account in less than one week after filing my claim.

Insurer: Spot

By: Bernadette Bright

September 26, 2025

Quick turnaround and very detailed…

Quick turnaround and very detailed benefit explanation.

Insurer: Pets Best

By: Lin Zhu

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