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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Not worth it, hidden escalation, less coverage, poor response to policy holders
Have been a customer for 10 years with our dog. While the claims process has been fine over the years, slowly but surely they’ve raised premiums and reduced coverage. Now, they announced changes that more than double the monthly premium. So at 110+/month and minimum deductible of $750, I need to pay more than $2000 in a year before I am able to only be reimbursed 50%. Not sure how that is worth it for most people with relatively healthy dogs like ours. I won’t be returning as a customer in the future given their poor response to these changes when I called and messaged for an explanation, won’t recommend them.
Insurer: Healthy Paws
By: Kevin Stolzenbach
Good reimbursement for serious issues
Good reimbursement for serious issues. But wellness reimbursement disappointed.
Insurer: Spot
By: Tony
Vet Bills are Expensive
I had to take my dog to the vet & I spent over $900 dollars, but it was a great relief to submit the claims & receive the majority of that money back! And the speed at which the claims were processed was fantastic too!
Insurer: Spot
By: KAREN
Submitting a claim was easy and paid…
Submitting a claim was easy and paid quickly. Great service!
Insurer: Pumpkin
By: Mary Simons
They are fast no hassle pet Insurance
They are fast no hassle pet Insurance
Insurer: Pets Best
By: Amanda Webster
Avoid Embrace - Professional Claim Denial Service
I trusted Embrace to protect my cat. Instead, I got an expensive lesson in insurance bad faith practices. The Setup: Monthly premiums paid on time. Comprehensive policy purchased. My cat develops health issues requiring a diagnostic workup. The Gaslighting: When my vet requested basic claim transparency (what's denied vs. covered), Embrace ignored the request. Their adjuster's solution? Have the veterinarian write an appeal letter for review by "our chief underwriter"—the same person who made the original denial. What This Really Means: You're not buying insurance coverage. You're funding a claim denial factory that uses veterinary practices as unpaid administrative staff while hiding behind fake appeals processes. For Fellow Pet Parents: The premiums feel affordable until you realize you're paying for the privilege of being professionally obstructed when your pet needs care. Embrace has turned claim denial into an art form. Bottom Line: They sell peace of mind but deliver bureaucratic warfare when you're most vulnerable. Your pet deserves better. You deserve better. Choose literally anyone else.
I was compensated quickly
I was compensated quickly, without any hassle. I just followed all of the instructions on the app and boom, I was repaid in about 2 weeks. It was really easy and I was expecting the whole processes to be more complicated as this was my first time using this pet insurance.
Insurer: Fetch
By: Michelle
Big fan!
East to submit claims and fast turnaround processing claims
Insurer: MetLife
By: customersara
Fast service
Fast service, great reimbursement.
Insurer: Pumpkin
By: Terri Austin
Very satisfied with Embrace
Great phone help to get claim submitted (computer glitch). Quick resolution to claims.
Insurer: Embrace
By: Ronnie Cohen