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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Healthy Paws Pet Insurance is the best…
Healthy Paws Pet Insurance is the best insurer out there. They do what they promise and respond to vet bill claims quickly with few red tape issues. For 8 years they have been dependable. It's not cheap to have good pet insurance, but in the lifetime of my pet baby, it is worth it if it is Healthy Paws.
Insurer: Healthy Paws
By: Sunni baran
Happy with the time it took to process my claim
My claim was processed quickly and efficiently. Received my check today which only took two weeks!
Insurer: Fetch
By: Frances
No Hassle Quick Reimbursement
Submitted claim thru the website and $900+ reimbursement was received in a week.
Insurer: MetLife
By: customer
We have been with Healthy Paws for ove 10yrs
Healthy Paws has been our furry companions insurance for over 10 years and with a couple of dogs. Everyone we have dealt with has been very compassionate and helpful. I would highly recommend it to everyone. The quality of care, ease of filing a claim and receiving payment is amazing!
Insurer: Healthy Paws
By: Lorna Lefler
Spot came through when I really needed…
Spot came through when I really needed them ! I submitted my claim and was able to watch my claim as moved through the process! Customer support was very helpful. Very happy with Spot pet insurance
Insurer: Spot
By: Spencer Whaley
Claims process made easy
I was unsure how the process would work for multiple items on my claim, but Spot made things so easy to submit. Spot responded & processed my claim right away. It was seamless!
Insurer: Spot
By: Christine D
very quick turn around on claims very…
very quick turn around on claims very satisfied
Insurer: Healthy Paws
By: PFS
Beware of Embrace Pet Insurance – Inconsistent Claims, Shifting Denials, and Impossible Exclusions
I’m sharing my experience so other pet owners can make an informed decision before choosing Embrace. At first, Embrace seemed fine. They approved several claims for my cat’s GI issues, parasite treatment, suspected FIP, and even an ear infection. But once the claims became more complex, everything changed. Embrace began denying claims using shifting and contradictory explanations: • They claimed a gastrointestinal coronavirus titer was “related” to a pre‑adoption upper respiratory infection, even though my cat has not had a single sneeze or any URI symptoms since the day I adopted her. • They reclassified a temporary URI exclusion as permanent based on a fecal test that had nothing to do with respiratory disease. • They approved a December visit for ataxia, head tilt, and neurological symptoms, but then denied a nearly identical visit in January by claiming those same symptoms were “related” to a minor pre‑policy trauma from a year earlier. • They denied medication they had previously approved for months, calling their own approval an “error.” • Every time my cat showed a new symptom, they extended exclusions another 12 months. When I tried to discuss these contradictions with an adjuster, the conversation went nowhere. I explained the medical facts calmly and clearly, but logic fell on deaf ears. The adjuster simply repeated the denial and told me I could “file an appeal and send it to them,” even though they were the same person who wasn’t listening in the first place. If they dismissed my explanation, I have little confidence they would treat my veterinarian’s medical opinion any differently. The pattern became clear: Embrace will connect any condition to any past symptom to avoid paying a claim. Their interpretation of “pre‑existing” is so broad that it becomes meaningless. If your pet ever sneezed, limped, or tilted their head once, Embrace may use that to deny unrelated conditions a year later. I canceled my policy and filed a complaint with the Maryland Insurance Administration. Pet owners deserve transparency and consistency; Embrace has given me neither.
Insurer: Embrace
By: Orales Stroud
Paid hundreds instead of thousands of $$!
MetLife pet insurance has saved my family so much money and has been pretty easy to work with. Upload documentation online or through the app and receive reimbursement. My dog has had her ACL replaced (a $4,000 surgery) and also had a cancerous tumor removed (around $2,000), plus another cancer scare and thanks to pet insurance, we paid only a fraction of the cost!
Insurer: MetLife
By: Kristen
Very pleased with Spot pet insurance
Very pleased with Spot pet insurance. Web portal is easy to use. They're prompt with claims and payments and easy to reach if you want a live person! Also my recent claim for a tooth extraction was covered to my absolute delight because pet dental work is very expensive. Whew! Thank goodness for Spot :)
Insurer: Spot
By: Vickie Welch