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.

63,140 total


October 11, 2025

Website is easy to navigate - Claims are being denied

Website is easy to navigate. Unfortunately, most of my claims are being denied because of so called pre-existing conditions. It would be nice to know what conditions, if any, will be covered going forward. Based upon my experience to date, I am paying a lot in premiums and getting almost nothing back on my claims. We need Obamacare for pets!

Insurer: Embrace

By: John Biazzo

Verified October 11, 2025

Helpful customer service and fast…

Helpful customer service and fast receipt of insurance claim. Thank you

Insurer: Spot

By: Claire Africa

Verified October 11, 2025

Fast and efficient

Fast and efficient. The easiest pet insurance I’ve used. Got reimbursed quickly

Insurer: Spot

By: Maurice Collier

October 11, 2025

Filing claims is easy.

Filing claims is easy.

Insurer: Embrace

By: Char Conrad

Verified October 11, 2025

Having emergency surgery and knowing…

Having emergency surgery and knowing that a very high amount would be covered. I would do anything for my best friend and healthy paws is a great comfort

Insurer: Healthy Paws

By: Christine Forster

Verified October 11, 2025

Easy to file claim

Easy to file claim. Fast decision

Insurer: Spot

By: Barbi Owsley

Verified October 10, 2025

So glad I have Spot insurance for my dog

So glad I have Spot insurance for my dog. It made a difference when he had to have a much needed surgery. The claim process was easier than expected and direct deposit made it easy to receive the claim funds.

Insurer: Spot

By: lisa a

October 10, 2025

Easy to make a claim

Easy to make a claim

Insurer: Embrace

By: Rodriguez Daniel

October 10, 2025

Great experience with Embrace…

Great experience with Embrace insurance. So easy to submit a claim and understand what is covered. Reimbursement is extremely quick. I highly recommend this insurance!

Insurer: Embrace

By: Cathy

Verified October 10, 2025

MetLife is so simple and reliable

MetLife is so simple and reliable. I was worried at first I wouldn’t be able to understand everything needed for the claims but it was the easiest process. I enjoy the experience so much I referred my sister to the insurance for her new 3 month cat.

Insurer: MetLife

By: Ariel

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