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.

63,366 total


September 20, 2025

Terrible company

Embrace has every single document on my dog since birth. I've sent them this information twice but my most recent claim has been sitting in "pending Medical records" for over three weeks. I've cancelled my dealings with them. Terrible to deal with. I've had enough. I'd give them a negative star rating if I could.

Insurer: Embrace

By: James Johnson

Verified September 20, 2025

My claim was handled in a timely manner.

My claim was handled in a timely manner.

Insurer: Spot

By: George Calloway

September 19, 2025

Easy to submit claims

Easy to submit claims. Pays quickly

Insurer: Embrace

By: Cherie Logan

Verified September 19, 2025

We recommend Spot Insurance for Your Pets We are in our 70’s and have never had…

We are in our 70’s and have never had insurance on our pets until 3 yrs ago. I researched and decided on Spot Insurance. Our first claims were this yr and I was skeptical. Our Vets office filed my pets claim and Spot kept me informed about the status of Our claim and paid just like they said they would and in a timely manner . We are grateful to have found a good insurance company for our pet 🙏❤️

Insurer: Spot

By: Kathy Murray

September 19, 2025

Pets best is the most wonderful…

Pets best is the most wonderful company. Being insured by Pets Best allows me to treat my dog for whatever is needed. It’s give me ultimate peace of mind because I can say yes to what the vet wants to do. Nothing is more precious to me than my dog and to be able to give her to finest healthcare is priceless. Thank you Pets Best.

Insurer: Pets Best

By: Rocco Castellano

Verified September 19, 2025

Super easy claim process and supportive

I’ve used Spot Pet Insurance for a few years now for my dog. About two weeks ago I had to rush dog to the pet emergency and Spot helped bring relief to an already stressful situation. I was worried the claim process would be complicated and long, but it was the exact opposite! I was able to submit a claim and have it processed within a week, then I got reimbursed just 2 days later. I highly recommend Spot and I thank them so much for their support during a tough time.

Insurer: Spot

By: Camila Peralta

Verified September 19, 2025

It should never take 3 months for a…

It should never take 3 months for a reimbursement! I was asked multiple times to send prior vet visits which I did and my vets did as well but clearly no one was paying attention.

Insurer: Embrace

By: Trevor Carralejo

September 19, 2025

Pets Best Gives Pet Owners Peace of Mind

Pets Best reviews and responds to claims quickly and they honor the details of the policy. We have had our dog and two cats have illnesses and accidents in the last year. Without Pets Best, we wouldn’t have been able to afford their care.

Insurer: Pets Best

By: Jessica

September 19, 2025

If you are looking for pet insurance, look no further thank Healthy Paws!

I’m cannot recommend Healthy Paws enough! My pup just had very expensive CCL surgery, and HP processed my claim and sent reimbursement before my credit card bill was even close to due! And they even reached out to see how she was doing!

Insurer: Healthy Paws

By: Keri Chervitz

Verified September 19, 2025

Three Claims In and I gave Spot pet Insurance a 5/5 on all three!

I’ve had three claims now with Spot pet insurance and I have been very pleased. Staff was so helpful and friendly when I called, very caring about my sick pup. All three claims were processed and paid in 7-8 days. App is easy to understand and follow, and submittal process was simple.Everything worked as expected. I tell people all the time about it because so many have had bad experiences with pet insurance. I read the details of my policy when I signed up originally (which honestly was just a few pages and in Easy-to-understand language), and knew what I was buying up front. I also love all the variable pricing options so I could buy what made sense for us. This is a no-brainer 5 star rating!

Insurer: Spot

By: Erika Williams

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