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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DON'T EVEN THINK ABOUT GETTING THIS INSURANCE …
I was paying for 4 years the insurance for my pet Piera with policy # 1533639-03. I only made one claim sinve I started. 3 years later after being paid for a long time, my cat had an emergency, I took her to the vet, the clinic tested her and higher recommend to have a dental cleaning because she had many dental plaques , that was the first emergency visit and I was charged US 281.80. A week later I took her for her dental cleaning and I was charged for US 350.00 more. Then I called to Met-life and I asked to the agent if I needed to put 2 different claims, the answe was NO, "you don't need to, just put everything in a single claim. Like 90 days later the claim was completely denied. Then I called again and they sent me an appeal form that would take 90 days more to see if I had a case to claim part of the money. 90 days and monthly I pay almos 30 dollars plus the 90 days when my claim was denied? I DIDN'T HAVE THE RISK AGAIN. I feel that i was robbed for 4 years. do not think about getting this insurance. It is a complete fraud. RIcardo Munoz
Insurer: MetLife
By: RICARDO MUNOZ
Very easy to submit claim for payment…
Very easy to submit claim for payment directly to payee. They submitted it at time of estimate and we did not have to worry about cost and could focus on our pets surgery and well being.
Insurer: Trupanion
By: Sandra
Reimbursement was made easier by your…
Reimbursement was made easier by your company
Insurer: MetLife
By: Susan
1000% recommended
I can not say loud enough how much this company has help me in times of need, my 15 months old pup has a congenital issue and they have covered all of my treatments. 1000% recommended
Insurer: Healthy Paws
By: Amalia Rodriguez Klein
You can count on Healthy Paws
We can always count on Healthy Paws to review and process our claims in a timely manner. It gives us such peace of mind when facing necessary (but often unexpected/expensive) treatment options. We feel confident in being able to provide the best care for our dog because of the clear, consistent manner in which Healthy Paws operates. If only human health insurance companies operated with the same integrity!
Insurer: Healthy Paws
By: Kelly
Extremely quick to respond
Extremely quick to respond, App and website is easy to use for claim submission. My dog stayed in ER for 36 hours and Trupanion issued the balance owed to me almost instantly. Trustworthy service and I'll be putting my future pets on Trupanion as well!
Insurer: Trupanion
By: Wardah
I have not had any issues so far with…
I have not had any issues so far with the claims process. It has been easy and straightforward, I think since I have been set up since 2019. It has gotten a bit more expensive since I first started but overall I am happy with my experience.
Insurer: Healthy Paws
By: Mackenzie Keen
0 star
If you’re thinking about choosing Embrace for your pet insurance, I would strongly recommend looking at other options first. I paid a high monthly premium expecting support when my dog needed medical care the most. When my dog was diagnosed with pneumonia, Embrace classified it as a pre-existing condition and denied my claim. After months of paying for insurance, I received no reimbursement for my dog’s treatment. What makes this even more disappointing is that my dog has now passed away, and instead of receiving the support I expected during such a difficult time, I’ve been dealing with the added stress of denied claims and ongoing reimbursement issues while grieving the loss of my beloved pet. Pet insurance is supposed to provide peace of mind during emergencies, but my experience has been the opposite. Paying high premiums only to have claims denied when they matter most has been incredibly frustrating and heartbreaking. Based on my experience, I cannot recommend Embrace.
Insurer: Embrace
By: Maria Jessica
Quick turn around for reimbursement
Quick turn around for reimbursement. EoB clearly explains what is and isn’t covered based on your chosen policy. Rates increase every year, sometimes with increased deductibles. I wish there was a price lock.
Insurer: Healthy Paws
By: Janice