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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Claims are easy to submit online
Claims are easy to submit online, although the available options to select don't always fit the claim. I'm withholding one star since seven of the eight claims I submitted are still being processed.
Insurer: ASPCA
By: maisie
Way too difficult to do claims
Way too difficult to do claims. Denials for no soap notes when standard office visits and vaccines don’t have soap notes. You’ve made it so annoying to communicate clearly that it’s not worth it. I plan to cancel all 7 pets I have on the insurance because it’s not helping at all.
Insurer: MetLife
By: Brian Schucker
Multi pet insured
Greatful for multi pet discount and coverage options. Spot customer service receives a 5-star for friendly, knowledgeable service and relatively quick reimbursement for claims submitted due to recent visit to pet emergency, followed by a referral to animal eye clinic for diagnosis/treatment and follow-up checkup.
Insurer: Spot
By: Ann
Great company
I’ve used Embrace for a couple years. So far each time I’ve submitted any claims they have been completed in timely manner. Any calls I’ve made for clarification have been professionally & knowledgeably addressed. Very satisfied with this company.
Insurer: Embrace
By: Dana
My GSD Insurance
My GSD was very sick and needed surgery and I wasn’t sure of how to proceed or what was covered and not covered. Spoke to support and got all of my questions answered.
Insurer: Embrace
By: David Curtin
Year 2, so far so good
I’m going into year two with prudent pet and so far they’ve been great. They handled and paid out on my claims for some serious medical visits and follow up surgery for a new condition. Customer service staff has been great and answer pretty quickly by phone. My renewal recently came in and my premium somehow went down $1/month. There were some initial issues getting a claim processed because the initial medical history documents I sent and had not been properly filed and stored by prudent pet and required several follow up calls. This is the reason I downgraded a Star. This was really frustrating because I continued to speak with reps who said it was being expedited but continued to be held up. So it took over a month to get the first claim reviewed and processed, but once the documents were properly filed by a prudent pet the claims got paid out in a timely manner. Overall I’m happy with the service.
Insurer: Prudent Pet
By: Ellie O.
Kassandra was courteous and…
Kassandra was courteous and professional. She listened patiently to my questions and clarified my questions that helped me make a decision about taking out a specific plan that would meet my pets needs. She was also able to correct an oversight that will help my recent claim to be processed. I look forward to working with her and other representatives in your company who offer the same quality customer service. D. Salas
Insurer: Nationwide
By: customer
Great product!
Submitting a claim is easy and we receive an answer about what services are approved/denied within a timely manner.
Insurer: Healthy Paws
By: Leslie
Peace of Mind
With or without insurance we would take our dog in when needed. However, with insurance we have peace of mind knowing we will get some money back. The claim process is so easy and the refund quick! Thank you for making it so simple so we can get back to having fun sooner!
Insurer: MetLife
By: Lauren Shoemaker
Prompt preapproval and payment
Prompt preapproval and payment. Thank you for taking care of us!
Insurer: Trupanion
By: Kelsie