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 be fooled by the Embrace!
Why would Embrace make it impossible for you to set up automatic pay for claims paying via EFT? The longer they hold on to your money, the more interest they make off your payment! I tried online, and it failed every time. In the small print below, it said, "Please call customer service." My payment is debited directly from my checking account. I had no issue with that process. Then I had a claim because I had a puppy who was vomiting, and it was his first visit with me. They used the first visit as a pre-existing condition and said that if he stayed free from vomiting for one year, he would be covered. I asked how that was a pre-existing condition? They vaguely explained, then they said he had an underbite, which was a pre-existing condition. So, the breeder I got the dog from gave me a certified health check. I gave it to them and said remove those pre-existing conditions he was checked when he was born more than once. So they read it and removed it from the file. All of these insurance companies are scams! Cookies weren't an issue when I was uploading my banking information for payment.
Insurer: Embrace
By: Nimryl Tecnika
Fast
Fast and easy to get coverage and they cover a lot of things that is necessary.
Insurer: MetLife
By: Roberta Dasilva
I have had great experience with…
I have had great experience with embrace pet insurance. My initial claim was denied for a specific treatment however with my dog heart murmur and passage ways medication to the past three claims has been phenomenal. An extremely happy with their customer service and care for our Bella! Thank you!
Insurer: Embrace
By: April Hutchinson
Be Careful
I had this Pet Insurance for years for my three dogs. And for a while, everything was great and I had no issues. As my female dog was aging, the premium continued to skyrocket. When she was six she had mast cell cancer. At first her cancer treatment was covered because I was paying for the policy for major medical. I was paying $384 a month just for her coverage. And then I received a letter in November saying when her policy was up in December, they would not renew her. Because of her previous history with cancer, that was a death sentence for my dog. They didn’t contact me to see if I wanted to change the plan to something different. They just canceled her policy. Because they just canceled her policy, I am unable to ensure her with anyone else because she is considered pre-existing. Because she no longer has insurance treating her cancer is nearly impossible. I feel after years of paying premiums to this company. They should’ve at least given me an option for a different policy. They know that by canceling her without giving me an option for a different plan that I was no longer available for insurance with anyone else either. 
Insurer: Nationwide
By: Sheri Warren
Concentrating on Bella Instead of a Financial Burden
When my sweet little Yorkie started showing signs of some health issues, it was a huge worry to me. Spot Insurance helped take some of that worry away as far as financial worry and helped me concentrate on the most important thing .. diagnosing Bella's illness and starting her on a treatment plan. So far she is doing well just taking medication. Thank you, Spot, for the quick action on our claim.
Insurer: Spot
By: Linda
Post-application discrepancy
At the end of the application process screenshots were taken. I had applied for a $250 deductible and 80% reimbursement at a certain price. The email received showed the correct monthly price and deductible; however, reimbursement is shown at 70%. I emailed the company requesting clarification/confirmation and a number of days later have received no reply. Hoping when the policy information is received that it will match my application for coverage desired. Meanwhile, glad I have screenshots showing the policy number and details stated above.
Insurer: Nationwide
By: Mary Beth
Great Pet Insurance!
Customer service was so nice, and Insurance claim process was so quick and got money back in 1 week.
Insurer: Spot
By: Kawai Duffield
I don't remember the girl's name that…
I don't remember the girl's name that took care of me but all I can say is she went out of her way 100% And even called me back when we got disconnected to make sure I received the claim and everything was done right I give her a five-star if I could give her 10 I would
Insurer: MetLife
By: Nycole Audet