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.

64,641 total


April 22, 2026

When pets get older

Customer service is great. Great insurance for pets, Until they get older. Been with Embrace for over 15 years and have had older pets with issues and no big price change. Now all of a sudden they want to triple my premiums due to pet being older with some claims. One pet $400 a month

Insurer: Embrace

By: Laurie Varnau

April 22, 2026

I’m very satisfied with Embrace pet insurance

I’m very satisfied with Embrace pet insurance. Submitting claims is very easy and the claims are processed within a few days. They’re very good on keeping me informed if more information is needed about a claim. I recommend Embrace pet insurance to my friends and family.

Insurer: Embrace

By: Rina Huezo

April 22, 2026

Pets Best reduced 4 line items on my…

Pets Best reduced 4 line items on my actual veterinary invoice by a total of $130 without my consent or any explanation. Their own website states they pay based on your “actual veterinary bill,” but they used their own lower amounts instead. I have filed complaints with the California Department of Insurance (CDI) and the Better Business Bureau (BBB). Do not trust this company.​​​​​​​​​​​​​​​​

Insurer: Pets Best

By: T Q

April 22, 2026

Highly Recommend Spot

I have had an excellent experience with Spot Pet Insurance. I have had Spot Insurance for years and this year is the first time I have actually used it. It took me a while to build up to my deductible, but I have a pretty sick 7-year old pup and we have not been able to identify the issue. The insurance is very quick to reimburse by direct deposit. The website is super helpful by allowing you to track your claims, etc. If you have a fur-baby and there are any illnesses it can cost hundreds to determine the causes - well worth it.

Insurer: Spot

By: Kathryn Eason

April 22, 2026

Very caring!

Very caring! When our beloved orange tabby cat, George, was put to sleep, the customer service reps were very sympathetic. Claim service was quick and easy. I would recommend Spot Insurance to my friends.

Insurer: Spot

By: Stacee Hipp

April 22, 2026

Quick process …

Quick process …. gets right to the point , no problem navigating site

Insurer: MetLife

By: Matthew Israelson

April 22, 2026

It was easy to file a claim and the…

It was easy to file a claim and the claim processed very quickly! The prices are also very reasonable compared to other companies.

Insurer: Spot

By: Joel P.

April 22, 2026

The best!

Amazing customer service whenever I need it. Filed a claim and it was approved within 48 hours and the money was in my bank account within the next 48 hours. Everything was plainly explained and it was such a pain free process. Could not be more pleased!

Insurer: Trupanion

By: K Warner

April 22, 2026

Very fast handling of claim

Very fast handling of claim. Easy to submit a claim. Quick return

Insurer: Spot

By: Susan

April 22, 2026

CLAIMS PROCESS

Just confused about how the claims are processed because I have two sitting there in queue and then I submitted another one and they've already paid me for it!! (which is awesome) but the other two are still just sitting there. When I called in the agent said well it just depends on if an agent picks them up or not to process them. It can take two to four weeks and up to a month she said. 😏🤔

Insurer: Spot

By: Kathi in Texas

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