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 24, 2025

Embrace- very impressive!

My pets have been covered by Embrace pet insururance at least for the last 7-8 years. They process claims very fast & they contact the vets office themselves to obtain the record too. I am very impressed by them. You cannot go wrong with Embrace. I am grateful they offer honest business unlike some other pet insurance businesses.

Insurer: Embrace

By: Mama cat

September 24, 2025

Bad experience autos and home…

They have had our autos and home insurance 10+ years.. I obtained an online quote for a vehicle and the online system said they will cancel my insurance next month as they do not insure that particular vehicle. I didn't choose to insure it with them, simply obtained a quote. When I called, they said I needed to prove this and that for my insurance not to be canceled, literally needed to jump through hoops and for what, being a good loyal paying customer? Then I had a tree fall on my shed and they paid cash for the repair of the roof. I got it repaired by a handman cash job. They said they needed a receipt and bill of materials or they'd threaten to cancel my insurance? I paid cash, no receipt, no bills.. Just very robotic,inhuman company just like you'd expect from Insurance companies. If you're looking for an insurance company to treat you like a human and be understanding, this is NOT it

Insurer: Sonnet

By: Kyle Simiin

September 23, 2025

Stay away! It is a scam

Insured my dog 7 years ago with no problems and no preexisting conditions (which was their criteria). Have been paying my premium on time (almost $20,000 in the past 7 years). My dog is 16 years old, very healthy, for the first time took him to the ER for vomiting and dehydration. Filed a claim and Healthy paw denied my claim stating he has preexisting condition. It is untrue. They did not take the time to review the bill and trying very hard to deny any payments. This is the first time I am filing a claim for $2,300 (the cost of ER) and they are not paying. I have canceled my insurance with them. what is the point of having insurance? My dog was in good health up until last week, got the insurance for precaution as he is aging.

Insurer: Healthy Paws

By: Valentina Sahakian

September 23, 2025

Figo Pet Insurance

I appreciate the ease of submitting claims, the user-friendly app and also the quick reimbursement times. So far it has worked exactly as the company said it would. Signing up with Figo through Costco is also a savings.

Insurer: Figo

By: Jeanne Wood

September 23, 2025

Very easy and prompt claim service.

Very easy and prompt claim service. We are very happy we chose Embrace to ensure our dog.

Insurer: Embrace

By: James Lutonsky

September 23, 2025

Easy to submit

Easy to submit

Insurer: Embrace

By: Louis Florio

September 23, 2025

Claims are handled quickly and…

Claims are handled quickly and thoroughly. We appreciate the quality and timeliness of Pumpkin's work.

Insurer: Pumpkin

By: Cindy

September 23, 2025

Routine Vaccination

Our dog went in for several routine vaccinations. The vet printed off the invoice,we scanned it in to the computer,and attached it to Pets Best claim on their site. I was notified promptly that they were already processing our claim. I was then notified via email that we would be receiving payment from our claim and within several days we had a check from Pets Best. We are more than happy with our plan through this company.

Insurer: Pets Best

Veterinarian: Vondra Veterinary Clinic

By: Lonell

Useful
September 23, 2025

Pets Best has been outstanding

Pets Best has been outstanding. I couldn't ask for a better insurance to help during difficult times. They have always been wonderful, easy to work with and make the whole process stress free. I would hands down use Pets Best for any one of my loving animals with confidence.

Insurer: Pets Best

By: Danielle Pratt

September 23, 2025

My dog

My dog, recently got hit by a car. I submitted the correct paperwork, the emergency vet contact information. Called the emergency vet and the vet place also stated they submitted the paperwork twice and ASPCA is still stating they are going to deny my claim if the correct paperwork isn’t submitted. Nothing more we can do. Don’t go with this pet insurance place. Not acceptable experience.

Insurer: ASPCA

By: Becky Schoengarth

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