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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why claims take 30plus days from…
why claims take 30plus days from submission to authorization [and longer to pay] is beyond comprehension. and why embrace won't allow providers to file the claims directly is also beyond comprehension [except that they are counting on the insured to not file claims at all or not timely].
Insurer: Embrace
By: BILL
You NEED insurance and Healthy Paws is the best!
I got my Pup, Jethro, at 3 months old and I got healthy Paws Insurance when he was 2, Never knowing I was going to need it as quickly as I did. I expected to use it in his old age to make sure he was happy and healthy for as long as possible. After we were in the yard trimming bushes, I noticed he had a slight limp and brought him to the vet, they told me that he would work it out and be fine, knowing HP would cover it, i pushed for an x-ray. This is when they found the cancer tumor in his back left knee, the prognoses was bleak, we went from oncologist to oncologist and they all said, 6 to 8 months to live. We brought him to UF in Florida and their doctors said the same. We went through removing the leg with cancer, went through chemo, found out that Dr Mamula from Yale had a vaccine and Jethro aggressively fought for his life. He beat the odds, only to find out 4 years later he had another tumor in his kidney, renal carcinoma, and we had the kidney removed and another round of chemo. 2 years later, he was cancer free again beating all the odds against him! Jethro celebrated his 10th birthday in August and it was all made possible BECAUSE of Healthy Paws insurance, the ease of putting in a claim and the quick deposit to my bank account. I believe that Jethro wouldn't be here today if it wasn't for Healthy Paws Insurance!
Insurer: Healthy Paws
By: Thomas D
Very easy claims submission
Very easy claims submission and fast review process. We haven't used up our deductible yet, so can't say how the reimbursement process is, but thus far we are pleased.
Insurer: Embrace
By: Mary
Top notch claim service!
You can tell a good insurance company by how well they handle claims. Unfortunately our dog Navidad needed a rear leg amputation which cost over $5,000. Spot reviewed the claim, asked for some more backup and paid it within two weeks of the operation. Thanks so much! We are glad to have three pets insured with Spot.
Insurer: Spot
By: Scott
10/10 Highly recommend!
Every interaction I've had has been incredible! The representatives are so well trained, so compassionate, so friendly, and go above and beyond to make sure my questions are thoroughly answered and that I understand how everything works. The reimbursements have been accurately in alignment with my expectations based on my plan, and they have been timely. I'm so glad I chose Pumpkin to help me care for my little old dog!
Insurer: Pumpkin
By: Angi H
Great customer service
Great customer service, I had 4 claims in 1 month due to infections and surgery - it took 2 tries to get all the docs to the correct spots, but once they had them the claims were processed in a few days, then a couple days and I have money in my account. Overall a fairly good start, especially compared to human insurances.
Insurer: Embrace
By: russellclan.amado Russell
Such an easy claims experience
Such an easy claims experience, I don’t use it often but still quick to navigate. Thank you!
Insurer: Spot
By: Tricia Taylor
Ease of use
Ease of use, website was great. Update on additional information needed, plus understanding the info was best requested directly from the veterinarian. Reimbursement was received quickly, explanation of benefits paid was clear..
Insurer: Spot
By: Ruth De Witt
I strongly do not recommend Embrace Pet…
I strongly do not recommend Embrace Pet Insurance. We paid premiums expecting coverage for our pets, but when we filed our claims, all were denied. Both our family veterinarian and a veterinary specialist provided written letters confirming that the injuries were not pre-existing conditions, yet the company still refused coverage. We submitted thorough medical documentation and followed their process, but our claims were dismissed without fair consideration. After this experience, we canceled our policy. In my opinion, this company does not stand by its stated coverage, and pet owners should be aware before trusting them with their pets’ health care. We were left with thousands of dollars in expenses that we reasonably expected to be covered.
Insurer: Embrace
By: Kayla Wunschel