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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I've had Spot Insurance for my cat for…
I've had Spot Insurance for my cat for about 3 years now. I recently brought her in for some bloodwork and check up and was surprised how quick Spot reimbursed me for the visit. Read the fine print and do the math. But yes, I'm happy I got pet insurance and would really recommend Spot.
Insurer: Spot
By: Dee from Seattle
NOT IMPRESSED
I have had Embrace Pet Insurance for about a year and a half. The first few claims went quickly. They were routine vet visits. Then comes December of this year and I need to cover the TPLO surgery. I send them the office visit claim, as well as the heads up for the surgery. Now they need more information, they don’t have the 1 year prior history….even though they had received that upon signing up for insurance. This claim as well as the actual surgery claim is still on hold for more health records. I made sure to call them because they were not specific about which Vet was not complying with their request. So, I went to that office and made sure the records were sent immediately, with me cc’d. They did comply. Now I am still waiting, no updates, just waiting. There updates are not something valuable, because it’s just an automatic email response . Not happy so far.
Insurer: Embrace
By: Barbara Stiger
Easy claim filing process and response
Was able to submit electronically with rapid acknowledgment of claim receipt and processing of payments in a timely manner.
Insurer: Spot
By: MARTHA S
You need pet insurance!
Our pup was diagnosed with IVDD in April of 2025 followed by IMPA in November. The medical journey he has been on would be unmanageable without pet insurance. HealthyPaws has paid out more than $50k dollars for my pet alone in 2025. My claims were processed quickly and without issue. I cannot recommend HealthPaws enough. THANK YOU SO MUCH FOR SAVING MY BOY
Insurer: Healthy Paws
By: Slammy
Quick reimbursements
Quick reimbursements! Take a picture of your receipt from the vet. Send it via the app. Within days the reimbursement is in your account.
Insurer: Spot
By: NoreenMc
Responsiveness and easy to submit claims
Responsiveness and easy to submit claims
Insurer: Spot
By: Neil Chakravarty
I have experienced excellent customer…
I have experienced excellent customer service with every claim. I really appreciate the coverage for preventative care.
Insurer: Pets Best
By: Jan Laman
bad claim processing
I submitted a wellness claim, as I do yearly and for some reason it was split into a wellness and an illness claim which then had her wellness bloodwork not covered as it went to deductible. Our rates have gone up every year and now they are processing claims in a way to not pay them, I am actively looking for new insurance
Insurer: Pets Best
By: Joy Schreiber
A key part of our emergency care team
Dogs! Scavengers by nature, they can ingest toxic things and you'll never know -- until suddenly your dog starts shaking, wobbling and staring into space with dialated eyes. It is such a relief knowing that Pets Best will be there to pay for so much of the midnight visit to the ER vet. That gives us the confidence to just jump in the car and do the right thing for our loved one.
Insurer: Pets Best
By: Constance
Great service
Filed claim on a Saturday; was approved on Sunday, and money in account on Monday! I wish health claims for humans were as efficient!
Insurer: Trupanion
By: Jerry Van Schaick