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


July 21, 2026

Embrace is a great pet insurance…

Embrace is a great pet insurance company. Never a problem. But recently there are issues submitting a claim. They are having major technical issues and it is affecting their receiving and processing times. It has been very frustrating.

Insurer: Embrace

By: Kathy Cooper

July 21, 2026

Claims

It’s still a little confusing on submitting my claims .,it keeps asking for dog medical records which I don’t have

Insurer: Fetch

By: Barbara

July 21, 2026

Tummy Troubles

"My dog had three G.I. issues within a month and a half. I had to assume that something was going on. When I took him to the vet, they did a complete battery of tests. I needed to know what to do in order to move forward. The bill was a little over 1K. I didn't think twice about spending the money to take care of my dog because I have had Pets Best for him since I brought him home. It gives me great peace of mind."

Insurer: Pets Best

By: Elizabeth

Useful
July 21, 2026

If I could leave 0 stars

If I could leave 0 stars, I would. I have paid thousands of dollars in premiums over the years, and I have been trying since November to get them to pay me a $50 claim. First they told me the claim was incomplete. Then they kept talking about a different claim, no matter how many times I told them I only cared about this one claim. Then they kept asking for more information and more information no matter how many times I sent them the information they kept asking for. Eventually, I wrote to their CEO and complained. The response I got was from the claims department telling me that my claim was incomplete. This is the most horrible company I have ever dealt with in my 77 years.

Insurer: Pets Best

By: Susan

July 21, 2026

Quick processing of claims

Quick processing of claims. Good coverage for my Wheaten Terrier who cannot digest proteins and reasonable turnaround time for claims.

Insurer: ASPCA

By: Lori Botkin

July 21, 2026

We have had this pet insurance for two…

We have had this pet insurance for two years and we are very pleased with all our claims so far. Pay back is quick and easy. Love the app.

Insurer: MetLife

By: Debra

July 21, 2026

Easy claim process

The process to file a claim is so easy. On occasion the app is not working but filing through the Pets Best website is just as easy. I also receive reimbursement via direct deposit which makes the entire process simple.

Insurer: Pets Best

Veterinarian: Reynolda Veterinary Hospital

By: Charlene

Useful
July 21, 2026

Do not choose Pets Best

I paid in to my policy for two dogs for 2 years. The price kept increasing. It was a horrible experience trying to submit paperwork. They constantly delayed accepting the claims and constantly asked for additional verification. Sometimes, blaming it on my veterinarian's office. I met my deductible early this year on one of my dogs and it took a couple of months to get one claim paid after I had met my deductible. And then they paid it only after I called the third time to complain and then canceled my policy. Total waste of my money for 2 years. Highly disappointed and I would not recommend this company to anyone.

Insurer: Pets Best

Veterinarian: Heritage Veterinary Care

By: Lisa

Useful
July 21, 2026

Prompt and accurate payments

People tend to complain about lack of coverage for pre-existing issues, etc. I find that if you read the policy and follow the guidelines that each claim is reviewed promptly and analyzed very well, payments or denials are sent with a very easy to understand statement. I have no complaints.

Insurer: Pets Best

Veterinarian: Cinco Animal Hospital

By: Cybele

Useful
July 21, 2026

very easy make clime and right time to…

very easy make clime and right time to process

Insurer: Fetch

By: Nina Tsybulevsky

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