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.

64,617 total


June 13, 2026

It was easy to file a claim made my…

It was easy to file a claim made my experience great … awesome work guys !

Insurer: MetLife

By: customer

June 13, 2026

In my hour of need

In my hour of need, they were there. My beautiful dog needed an expensive emergency CT scan. I almost passed out when I saw the cost. I submitted the bill to Embrace, and within hours they approved it, no questions asked. I almost cried. I thought for sure there would be issues, questions for the vet, other forms to submit, etc. Instead there was nothing but compassion, and support. I'd give Embrace 10 Stars if I could. 5 ain't enough.

Insurer: Embrace

By: Kraut Hammer

June 13, 2026

Great service…

It does seem to help a lot with vet bills. Easy to get done. just hard to find forms when i do need them.

Insurer: MetLife

By: kathy burdg

June 13, 2026

Customer service was great when…

Customer service was great when speaking to them before purchasing. What I did not like is that their sample policy is not a good indicator of what is actually covered. So once I purchased it and was able to review the full policy, I cancelled. I feel like I wasted my own as well as their time. If the sample policy had been more expansive I could have avoided it altogether. I think the insurance could be really good for some people, but did not fit my needs.

Insurer: Prudent Pet

By: gimmeplottsgmail.com

June 13, 2026

Quick claim processing with easy to…

Quick claim processing with easy to follow instructions

Insurer: MetLife

By: Megan

June 13, 2026

We rescued our dog from an abusive…

We rescued our dog from an abusive situation. We took him to a vet, they did bloodwork, vaccines and complete physical. Great! We moved 2 years and had to find another vet. We wanted to get him neutered and had to get the surgical bloodwork. The vet noticed that he lost weight and she wanted to wait to see if he continued to lose weight. She told me that there is some diseases that the dog acts and looks normal, but is fatal if not caught. I asked her if we schedule the bloodwork for the following week due to our waiting period. She said that was fine. Came in 3 days after the period was over. Had a complete panel of bloodwork $350. Submitted it and it was denied. Called to see why. Pre existing condition!! I told them that he was diagnosed after the waiting period. They told me that since the vet MENTIONED in the notes about it. It was considered pre existing condition! I told them that his old vet didn't mention it and he was OFFICIALLY diagnosed until he had the complete bloodwork done because you had to LOOKING at certain levels. They said no. Month later, scheduled the neutering. The vet canceled due to blood levels. Submitted it, they denied due to pre existing conditions. I called again to see why. It had nothing to do with PLE but since it showed some of the same results, it was denied. I asked them what exactly will they cover that won't be pre existing, she said well visit as long as it doesn't include bloodwork!! HUH?? Looking for another insurance, not worth it.

Insurer: Pets Best

By: Stetsie Sue

June 13, 2026

Trupanion Took Care of me with my cancer treatments for my Golden Daisy.

My recently rescued Cream Golden Retriever named Daisy was found to have cancer at a check-up. She required three surgeries and extensive treatment and healing. Trupanion worked with us all the way and covered what they promised they would. This made a stressful experience a bit more bearable and they were compassionate to my situation.

Insurer: Trupanion

By: JG Parlier

June 13, 2026

The company I trust

Healthy Paws is a wonderful company with my pet’s best interest at heart. They are very caring and always fast with reimbursements for his care. I wouldn’t use any other company for my pup’s needs!

Insurer: Healthy Paws

By: Traci Siegel

June 13, 2026

Worrh the monthly pre.ium

Immediate approval directly to the vet and I also recd a text message of their decision...To think I almost cx coverage...Will be keeping it...

Insurer: Trupanion

By: Eric Ordonez

June 13, 2026

Worth every penny

Trupanion made a stressful situation much easier than I thought it would be. We have had coverage for years and never needed to use it. It was just a seamless process.

Insurer: Trupanion

By: Ted

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