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


September 17, 2025

Filing a claim is a snap

Filing a claim is a snap, whether being done by the patients "mom" or by the vet. The claim was processed quickly, and I felt especially good back in the day when I had a sick kitty and we had an ice storm that kept our vet from opening that week. The substitute vet was great, in fact the vet filed the insurance claim for me and payment was made within one week of our visit. Splendid service, well worth the premium.

Insurer: Pets Best

By: Joan Hamm

Verified September 17, 2025

Insure your pets.

Helpful, professional agent helped me to cover pets. Submitting claims is easy and paid in a reasonable amount of time.

Insurer: Nationwide

By: Lisa Rowe

September 17, 2025

multiple claims denied that are…

multiple claims denied that are covered. for every time you submit a claim you have to resend medical history for every single vet visit your pet has been to in the past, Why don't they keep that on file? Then they deny it. waiting on over $1000 in reimbursement for covered claims that they are denying.

Insurer: Spot

By: amy king

Verified September 17, 2025

The quality of coverage you offer at…

The quality of coverage you offer at competitive pricing and the attentive service made you my clear choice.

Insurer: Prudent Pet

By: Thomas J Baker

Verified September 17, 2025

Can’t say enough great things about…

Can’t say enough great things about this insurance! I have had SPOT for 5 years for all three of my dogs. Boy am I glad I got it. My Daschund needed back surgery and SPOT was there for me and my Homer. Highly recommend!

Insurer: Spot

By: Miriam Sanchez

September 17, 2025

They nickel and dime every single claim and don't expect 90% back.

They nickel and dime every single claim that is sent in. They do not reimburse 90% of the bill. They decide how much is allowable for your area then they give you that amount back. So don't expect to get back the 90% they say you get back. They will raise your premium every other year but when it comes down to paying out you need to jump through hoops. I used to recommend this company but not anymore.

Insurer: ASPCA

By: DCDC

September 17, 2025

Always easy to upload and submit…

Always easy to upload and submit claims. Money is reimbursed quickly. Claims run smoothly

Insurer: Embrace

By: Mandy Marie Tiny Times Photogr

Verified September 16, 2025

Prompt consideration of claim

Prompt consideration of claim

Insurer: Spot

By: TS

September 16, 2025

Easy to use

Easy to use...fast

Insurer: Embrace

By: Joseph Glasser

September 16, 2025

Embrace won't accept your claim if you wait.

Embrace won't accept your claim if you wait. I held on to my receipts from the entire year to handle all at once. They won't accept my claims from earlier in the year because my policy renewed during that time. My pets were covered during that time. They received covered services. There should be no time limit to file a claim.

Insurer: Embrace

By: Mike H

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