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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This pet insurance is amazing
This pet insurance is amazing. Customer service is so nice and helpful. My dog suffered from mengioensifalitis and had seizures from it. The hospital bill was outrageous but I submitted the claim and had reimbursement for my bill within 10 days, which was plenty of time to pay the credit card bill that I put it on. I just cannot recommend a better pet insurance.
Insurer: Embrace
By: Laurie Large
This is the first claim I have…
This is the first claim I have submitted to Embrace, the customer service has been excellent. My claim was paid within three days after my submission. I am very pleased with the service from Embrace.
Insurer: Embrace
By: Marilyne Nickerson
Spot pet insurance for my cats
I actually refund about 40% of preventive care for both my cats which cost over 600$. So far loving Spot Pet Insurance! Submitting claims were easy, processing a bit slow but not too bad! Mike T
Insurer: Spot
By: Michael Truong
Dog insurance made easy
The claims process is easy and the prices are comparable to others. I have had no issues.
Insurer: Spot
By: Gigetta Spear
Fast and easy claim process
Fast and easy claim process
Insurer: Spot
By: Hannay Chan
Paid Only After Pressure – Serious Concerns About Practices
I’ve been an Embrace customer for a couple of years, and my recent experience was eye-opening. When my dog needed urgent spinal surgery, the company initially denied basic diagnostic claims. They pointed to a temporary limp from hard play 18 months ago as a chronic spinal condition. The worst part is they added that condition after providing me a complete medical history that had no orthopedic pre existing conditions. They denied the claims then added the pre existing condition. Only after I escalated to executives, filed complaints with the Georgia Department of Insurance and the NAIC, and involved USAA (who recommended them) did they reverse course and eventually approve over $9,000 in claims. Along the way I documented: • Post-claim underwriting – adding new “pre-existing” items after issuing a clean medical history. • Burden-shifting – language in their policy that tries to make customers prove a negative before coverage is restored. • Misrepresentation of a medical record – statements about when they received my vet’s files don’t match the written evidence. • Overbroad exclusions – attempting to block all future skin conditions based on two benign bumps. Yes, they ultimately paid, but only after weeks of pressure. I’ve submitted formal complaints to regulators so they can evaluate whether these practices meet Georgia’s insurance-standards. Pet owners deserve straight dealing, not shifting explanations after you’ve already paid for care. I will be looking for a new provider for my younger dog.
Insurer: Embrace
By: Ed Dombrowski
Quick, easy, and affordable
The process of using the insurance was quick and easy. Everything is explained and the website for claims is easy to use. Pumpkin fits in our budget and are very pleased with our experiences so far.
Insurer: Pumpkin
By: Jeanna
PetsBest has been great
PetsBest has been great! We have a dog that ended up having some medical issues and without insurance, we would. It have been able to continue caring for her. They consider all claims and reimburse in a timely manner.
Insurer: Pets Best
By: H Doe
Pets best has always been with us in…
Pets best has always been with us in difficult times when we needed support with the expensive vet bills. We feel safe having it, knowing we are supported while struggling with medical issues with our pup when needed, thank you!
Insurer: Pets Best
By: Natalia P
Pumpkin Pet Insurance
We've been with Pumpkin Pet Insurance for a little over a year & just had to file our first claim. Filing was easy, the team were able to go over the claim in a timely manner. We went with this pet insurance because of all the medical stuff that they cover, the adjustable policies & the reimbursement rates.
Insurer: Pumpkin
By: Shae