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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Spot got the payment for my dog's…
Spot got the payment for my dog's emergency two weeks after the incident. He was bitten by a copperhead and wouldn't have survived without antivenom and several other drugs. I am very happy with their service.
Insurer: Spot
By: Leslie Persons
Presently still awaiting a 6/1/26 claim -today is 6/24/26
Presently still awaiting a 6/1/26 claim (today is 6/24/26). Extremely dissatisfied with this insurance company because last year claim -we had to prove our dogs' illness that occurred despite all the medical records that were sent in. They hav no problem taking the money from your account monthly- but they really do not want to pay on an ER bill as shown by the length of time and we still have not had a response from Embrace. I have used USAA insurance for my car and our houses since the 1970's and had no issues. I also felt as others do that claims were sometimes denied or delayed due to requests for extensive medical history or technical issues with the submission process(especially since I personally sent all of my dogs' history myself from the vets' office).However my rating reflects my explanation and my disappointment in Embrace.
Insurer: Embrace
By: Nicki Bradford
Easy to submit and fast repayment
Easy to submit and fast repayment
Insurer: Spot
By: Michael Burnham
Chad did a great job outlining coverage…
Chad did a great job outlining coverage and ensuring understanding of total cost between both pets we have.
Insurer: Nationwide
By: Jacob
Pleasantly surprised!
I was pleasantly surprised at how easy and quick it was to submit and receive direct-deposit reimbursement. I assumed it would be difficult, I’d have to rummage thru records and upload, but no - not necessary! My only regret - I didn’t add the rehab rider to my policy!
Insurer: Pets Best
By: Janet Freeman
Trupanion has been quick to respond the…
Trupanion has been quick to respond the both times my Maggie had to have surgery. Communication between the hospital and Trupanion was taken care without me worrying about payment. Customer service is prompt and courteous. We are grateful for the Trupanion team.
Insurer: Trupanion
By: Christine Meza Meza
Claim was easy and processed quickly
Claim was easy and processed quickly. A truly no-hassle experience.
Insurer: Spot
By: Cindy Wolf
Seamless claim submission The process of submitting a claim is…
The process of submitting a claim is seamless. The staff is always courteous and fully supportive. The claim is always evaluated and reimbursed as stated in the policy, no hidden surprises. We are very pleased with MetLife ‘s pet insurance program. We unconditionally recommend it to our friends whenever the topic comes up.
Insurer: MetLife
By: Paul B.customer
Greedy greedy company
Pet's Best raises their premiums to astronomical amounts. I have been a customer for 8 years with four pets and have submitted one claim. They have raised premiums by hundreds of dollars year after year that it is essentially impossible to justify paying. I am sure they are not the only company to do this, but I cannot recommend it anymore. Way to ditch customers and force their hand at canceling a plan out of pure greed. We need greater regulatory practices on these greedy insurance companies!
Insurer: Pets Best
By: SW
I am finally getting insurance on my…
I am finally getting insurance on my cats for the first time and Trupanion is an excellent company to have it with. They are available 24 hours a day 7 days a week 365 days a year. There's no middleman if you're veterinarian accepts their insurance. They paid directly to the veterinarian. I have three cats one age 8 years old, one age 14 months, and the baby age 5 months old. I'm only paying $167 per month for full coverage on all three of my cats. I have $1,000 deductible per cat but that is a lifetime deductible which means that one said deductible is met during the lifetime of the cat, you never have to pay for any more deductibles. My cats usually live to be 15 to 20 years old so that's why I knew it was important to get insurance while they were young. Trupanion is an awesome company and I've had nothing but good experiences with their customer service team. I highly recommend them for pet insurance. MarLa M. Las Vegas, Nevada.
Insurer: Trupanion
By: MARLA MCCLURE