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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Great first year with ASPCA Pet Health Insurance!
I've had to already make 3 claims for my less than 1 year old puppy, and each time I did, it was as easy as can be, and the money paid out to me came quickly and accurately.
Insurer: ASPCA
By: Katherine
Quick turnaround time
We purchased insurance in the beginning of the year, and not even 2 weeks later our dog suffered a torn cruciate! We didn't have the underwriting process finished by the time our claim went in but that didn't stop them from simultaneously finishing the underwriting and processing our claim. We are new to pet insurance and they are so friendly on the phone, which is helpful because we had so many questions! We never felt like we were a bother, and they provided us with answers we needed. Feel very lucky to have PPU in our lives, and our dog definitely gets a second chance at life because of them :)
Insurer: Pets Plus Us
By: Lisa
If you have a pet, you need Embrace Insurance.
I've never experienced such amazing claim handling and customer service with any other pet insurance company, this has been the BEST experience. It's the same great service on wellness coverage as it is for illness coverage. I was skeptical when my vet suggested a company I was not familiar with, but man, I am so happy she did!
Insurer: Embrace
By: Barbara
Quick and Easy Claim Process
Embrace Insurance has helpful and friendly customer service, they made the claims process so simple and quick. It's reassuring to know that having Embrace Insurance, if an emergency arises, we won't have to worry about the financial aspect and we can just love and be there for our dog.
Insurer: Embrace
By: Kim
A few bumps in the road
Initially I was very excited to have my dog covered by Embrace. I am a USAA member and got a good discount based on that referral. I was also worried that my rescued pitbull mix would not get a fair shake and be denied coverage. Thankfully the people at Embrace were more open minded than that and had no issues covering her. The issues started when the first claims came in and started to back up. No one was going through her previous vet records and kept telling me that I needed to submit more information even though all available info was made available multiple times. Months went by without payment and claims piling up until one day and several phone calls I finally spoke to one wildly intelligent and patient young man who took the time to piece together what I was so frustrated about, and managed to process all of my claims in 24 hours. I don't believe I told him I was really calling to cancel my policy that day but he managed to stop me. I wish I could remember his name. I'm sure it's written down somewhere. It just takes one person to listen. After that ordeal, I haven't had a single problem and Embrace has been a delight. Even for medical claims I wasn't sure they would cover. My dog is my family and she has medical costs like any other child or human. Embrace makes it possible to afford these things and enjoy other things.
Insurer: Embrace
By: Brianna
Great!
Couldn't be happier about their coverage and how quickly they processed our claim.
Insurer: Pets Plus Us
By: Lindy
I have 5 dogs that have Trupanion insurance
I have 5 dogs of my own that have Trupanion insurance, and I pay for my niece's dog's Trupanion account. The website claim process has really helped me with getting my claims processed much faster than before, and I like the way the claims are now listed directly to the dog for which the claim was made. Customer Service personnel have always been polite, professional, and knowledgeable. Thanks, Trupanion!
Insurer: Trupanion
By: Virginia
We love TruPanion and recommend them to everyone with a pet.
We love Trupanion and recommend them to everyone with a pet. You guys have been a lifesaver and have helped cover costs for CCL surgery (both knees!) on one dog and chemotherapy (ECT) for the other. We highly recommend Trupanion to all pet owners!
Insurer: Trupanion
By: Raven