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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This is my first experience with pet…
This is my first experience with pet insurance and Spot has been very easy to work with and process claims. I have called customer service as well and they were very helpful and kind.
Insurer: Spot
By: Jodi Moser
I submitted the necessary documents to…
I submitted the necessary documents to place a claim, and it said that it would be processed within 5 to 10 days. My claim was processed within either 24 or 48 hours. Very quick processing time very efficient.
Insurer: Fetch
By: Lisa Shepler
Very easy to file claims and…
Very easy to file claims and reimbursement is super quick!
Insurer: MetLife
By: James Vaisman
Submitting a claim is so easy
Submitting a claim is so easy and the response is rapid - they money from the refund is in my account before I have to pay the credit card which is a huge help.
Insurer: Healthy Paws
By: Carolyn
Healthy Paws is a bait and switch and DO NOT respond in a timely fashion!
I signed up, received my quote, gave ALL of the information I had regarding my new rescue, paid, etc. THEN my dog age something outside and needed to be seen by 2 emergency vets. I paid the deductible and was reimbursed for a small portion. Okay. THEN they decided to raise my rates by almost double because one emergency vet led with ONE of his breeds. He is a rescue that DNA revealed is 48% Bernese and 52% King Charles. Healthy Paws said he would be much larger than I had reported and told me that they do not take DNA results stating that the vet would be the one to determine the breed. What?? My daughter's rescue came back with 8 breeds when a DNA test was done!!! So, a vet can say that a pup has 5% Chihuahua, 10% Lab, and such. NO! I had DNA done to report in good faith. When my vet said he would not even hit 30 pounds, perhaps only 25 (because she is a mindreader) they wouldn't budge at the new price. They put it "under review" so I waited a MONTH and finally just decided it was not worth it because calling a bunch of times, paperwork, resubmitting all of his records was never enough. In the end, it was a big waste of money and time!!!
Insurer: Healthy Paws
By: Betsy Ballard
I've had ASPCA for one of my dogs for…
I've had ASPCA for one of my dogs for 7-8 years now and added our new puppy. It was quick and easy. The price was great and I have faith that she is covered well.
Insurer: ASPCA
By: Paula Bidiman
Did not get the expected amount for…
Did not get the expected amount for Abby and the paper work was so confusing, I am not going to continue the insurance because it was a headache
Insurer: MetLife
By: customer
Unfair policy review: Permanent exclusion for a fully cured, 2-year-old resolved injury.
Embrace Pet Insurance refuses to remove exclusion for a fully resolved injury with 2 years of clear medical records.Текст:I am writing this review to warn other pet owners about Embrace's unfair Medical History Review process. My cat, Leo (Policy No. EP0102-9957), underwent a successful fracture repair in May 2024. Due to a minor pin migration, the surgical hardware (IM pin) was completely and safely removed on August 26, 2024.For nearly two years, Leo has been completely symptom-free, requires no medication, and has normal clinical function. His most recent routine exam from May 23, 2026, explicitly states: "Ambulatory x 4, no lameness noted. Pet is ambulating well, no issues seen in all 4 limbs. Healthy pet."I submitted a formal appeal with full veterinary charts from Oaks Veterinary Urgent Care proving complete clinical resolution. However, the appeals specialist (Jennifer H.) and the claims management team (Ashley Mlinarik) denied the request, citing strict pre-existing terms. They treat a temporary, fully cured mechanical issue (a removed pin) as a permanent chronic condition.If your pet has ever had a fully resolved injury prior to the policy start date, do not expect Embrace to act reasonably or honor their guidelines regarding temporary conditions. I will be taking my business to a competitor that differentiates between chronic illnesses and fully cured injuries.
Insurer: Embrace
By: Андрей Борисов
I submitted for the years for June 2025…
I submitted for the years for June 2025 through June 2026 for over $1.500 of claims and they paid me $25.00 yes Twenty five dollars. They said that rest had PREEXISTING CONDITIONS. I can not believe that I am the ONLY PERSON THAT DIDNT GET THEIR BILLS PAID.
Insurer: Spot
By: Gwen Currie