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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Very prompt reimbursing for Maisie’s…
Very prompt reimbursing for Maisie’s dental extractions.
Insurer: Spot
By: Dee Terry
Reliable and easy
Super easy to file a claim—it takes under a minute. And so far (4.5 years) they have always reimbursed me for everything I expected them to!
Insurer: Pets Best
By: Caitlin M.
I’ve had nothing but a good experience…
I’ve had nothing but a good experience with Pets Best. My dog recently went into Bloat and needed immediate hospitalization and surgery. The estimate was $9-14k and I was able to make the decision instantly knowing they had my (and his) back. The claim paid out as expected and my boy is home with us. I absolutely recommend to everyone.
Insurer: Pets Best
By: Craig Blum
easy to submit claims
easy to submit claims
Insurer: Embrace
By: Samish Beach House
Be prepared for lonnnnggggg delayyyyysss
For starters, I've been with PB now for over 3 years, this is a systemic problem! I recently submitted a claim for my dogs ongoing internal inflammation treatment. While Pets Best's policy coverage is straightforward and the premiums are reasonable, the claim processing time is a major problem. It takes an average of 2-3 weeks (or up to 2 months in some cases) for reimbursement, even when all documentation clearly outlines that the claims stem from one condition. My friends with other providers like Healthy Paws get paid out in as little as 24=48 hours after approval, or Lemonade in 24-48 hours—that's the kind of efficiency Pets Best needs to adopt to stay competitive. Overall, 2 stars; great potential, but the slow turnaround is unacceptable for pet parents dealing with urgent health issues
Insurer: Pets Best
By: Eric W
Handling a Claim by Embrace.
Embrace handled my recent claim within 72 hours which is extremely fast compare to other insurance companies. Thank you
Insurer: Embrace
By: Paul S
Ease of filing a claim is excellent
Ease of filing a claim is excellent. Direct Deposit into my checking account is an added bonus.
Insurer: Embrace
By: Candyce P Long
Very poor reimbursement rate
Very poor reimbursement rate. Many exclusions. Submitted $315 for an annual visit with vaccines and 1 antibiotic, received $60 back. Did not accept initial adoption with vaccine invoice bc it was over 3 mo deadline. Terrible value for the cost.
Insurer: Fetch
By: Mere
Filed a claim of just under $6k after…
Filed a claim of just under $6k after my dog had bowl obstruction surgery. My claim was accepted and 90% of the claimed amount was deposited into my account literally the next day; probably less than 12 hours later. Extremely fast. I would absolutely recommend Pumpkin to anyone that has a dog or is thinking about getting a dog.
Insurer: Pumpkin
By: customer
Very easy to submit a claim and very…
Very easy to submit a claim and very quick to respond
Insurer: Embrace
By: Cooper