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
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Inconsistent responses/ poor customer service
I filed a claim for my 7-month-old puppy at the end of August. When I was notified that additional information was needed, customer service informed me to get full notes from my vet and email them. My claim was denied because medical records were required for at least a full year, which didn’t make sense. After two weeks of no response, I called again and was told the claim would be reopened. However, after another week and a half, I was informed that the claim was not reopened. Finally, a third rep reopened my claim and ensured a follow-up. When I received a denial a few days later, it stated that I only had accident coverage instead of both accident and illness. I understand this, but why wasn’t this included in the original denial? Due to the poor customer service and inconsistent responses, I’ve canceled and gone to another service.
Insurer: Spot
By: Jaleesa Taylor
I love Pumpkin
I love Pumpkin! They’re always there when I need them and reimburse me quickly for services.
Insurer: Pumpkin
By: Lourie
Easy claim process
Easy claim process. Quick processing and direct deposit of our reimbursement. Was expecting a hassle based on history with previous pet insurance company for a different dog. Previous insurance company always managed not to pay a claim. SPOT is fantastic. Thank you for living up to my expectation for a pet insurance company!
Insurer: Spot
By: Bill Rickley
I love Embrace
I love Embrace, they are quick to respond and reimburse payments. I have a happy healthy dog and Embrace is a big part of it.
Insurer: Embrace
By: Veronica
Great insurance for pets
Great insurance for pets! Excellent coverage and fair reimbursements.
Insurer: Pumpkin
By: Ashley
Easy claim submission and equitable…
Easy claim submission and equitable reimbursement
Insurer: Pets Best
By: Paula Nelson
Karley
Spoke with Karley and my experience was amazing! She explained everything in a way it was easy to understand with anwsers to all my questions. Additionally provided guidance on which plan would be best for my pet. Wren is in great hands with this insurance coverage. Thank you Karley you are the best 🐶❤️
Insurer: Fetch Canada
By: Tracey Edwards
The turnaround time between submitting…
The turnaround time between submitting documents and approval was impressive! Everything happened so quickly and we were reimbursed promptly. Thank you!!
Insurer: Pumpkin
By: Julie
Spot is very quick to respond to claims
Spot is very quick to respond to claims
Insurer: Spot
By: Deann Kelsey
Cancelled Policy due to cost
I have been an Embrace customer for roughly 8 years. I counted myself a very satisfied client up until recently. About 4ish months ago added in my puppy, Milo. I had filed a claim for Milo because said dorky puppy ate a mushroom and got pretty sick. Long story short, emails were exchanged, the point of the emails were unclear until I called in and a very patient individual spoke to me in non-insurance speak and explained the issue. However, in my frustration prior to the call I went shopping for new insurance. After checking with a very large online dog community of dedicated sport dog enthusiasts I opted to investigate a couple of alternate insurance companies. Much to my surprise, I discovered I could get insurance with a higher reimbursement rate, no annual limit, a slightly higher deductible, and added in some routine care (spay, vaccination, etc) for less. Much less. I can cover all 3 dogs, ages 7, 2, and under 1 year, for about $40 less a month. In these rough economic times, customer loyalty is out the window. I'll take the extra $480/year in my pocket.
Insurer: Embrace
By: Sharon Gretch