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.

60,642 total


March 20, 2026

This company will find a way to deny…

This company will find a way to deny any claim. They label everything as preexisting. I submitted over $2000 in claims and they paid $125. They even denied euthanasia drugs!!!! Calling them always results in 20+ minutes on hold and then being told someone will address your issues and email you. I will not recommend them to anyone.

Insurer: Embrace

By: linda Goldyn

March 20, 2026

Great to work with!

It is easy to submit claims, and the communication is great. Most of the time they are very responsive, and when there is a delay, they let us know. Customer service is great as well.

Insurer: Pets Best

By: Paula Maestro-Salat

March 20, 2026

Took almost 2 months to settle a claim

Took almost 2 months to settle a claim, then came with a list of exclusions. Some even made up after the start of the policy and conditions my dog had never been diagnosed or treated. If your dog has ever been to a vet, good luck.

Insurer: Embrace

By: Adrian Page

Verified March 20, 2026

The online claim process is easy

The online claim process is easy, claims are processed fairly quickly and checks sent out shortly after. We definitely would recommend MetLife Pet Insurance.

Insurer: MetLife

By: customer

Verified March 20, 2026

Submitting a claim is fairly simple

Submitting a claim is fairly simple. The response time is very good. The EOB’s are easy to understand. I really appreciate SPOT PET insurance.

Insurer: Spot

By: Kimi Reader

March 20, 2026

Easy to submit claims and fast…

Easy to submit claims and fast reimbursement.

Insurer: Pets Best

By: Tracy Grace

Verified March 20, 2026

Amazing service and coverage!

Everything about the "Spot Pet" insurance experience was excellent. Ease in signing up, ease in submitting a claim, and timely manner of providing a benefit payment. Having my pet injured was stressful but Spot made it easier in providing great coverage and service!

Insurer: Spot

By: Amy Ragsdale

Verified March 20, 2026

Doing business with a great company.

I was very pleased with the kindness of the people I spoke to and how fast my claim was handled.

Insurer: MetLife

By: Nicholas Nardi

Verified March 20, 2026

Healthy Paws has been awesome insurance…

Healthy Paws has been awesome insurance for our pups over the years. Recently, one was diagnosed with a tumor in his mouth. Thankfully, it was swiftly removed and he is doing great! HEALTHY PAWS processed his claim swiftly and paid in accordance with our plan. We are so grateful for having Healthy Paws pet insurance. We have been long-time customers keeping all our beagles insured. Their history in paying claims has been great since the beginning and continues today just as we experienced this time.

Insurer: Healthy Paws

By: C. Owens

Verified March 20, 2026

Timely notification of the claim…

Timely notification of the claim progress. Your claim is taken care right away without any hassle. Please so far with the outcome of this pet insurance.

Insurer: Spot

By: DOROTHY GOUEDY

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