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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claim form had repeated error messages…
claim form had repeated error messages that necessitated restarting claims
Insurer: Embrace
By: M Shaw
Thousands in cancer claims
I have had thousands of claims submitted and Pets Best has paid pretty much everything I have thrown at them. There is no hidden fine print that excludes expensive procedures / meds. When something was not covered, it was completely reasonable, and good explanation was given. Pets best allowed me to give my cancer dog a shot at living longer. Great company to deal with.
Pets Best - Highly Recommended
Pets Best is the absolute best decision I ever made when it comes to protecting my pets. There are so many options for coverage that meet individual needs. The claim process is quick and easy. Recently, one of my dogs experienced a severe emergency. I had no concerns with covering the cost for his care because of Pets Best. The policy allowed me to focus on his care and ensuring he received what he needed to become better. I recommend them to anyone looking for pet insurance and will use them for all my pets in the future.
claims
I submitted 3 claims and only one has been processed. Not sure what is going on. Also submitting Chiropractic exams and services, seem complicate.
Insurer: Pets Best
By: Shelly Miller
Quick and easy
Quick and easy. The policy was easy to understand and benefits were clear.
Insurer: Nationwide
By: Hannah
4 paws up for Embrace
4 paws up for Embrace! I've had dogs my whole life and finally tested out pet insurance with one of my dogs, who happened to need ACL surgery. I was skeptical that pet insurance would cover this without a lot of hassle, but to my surprise, Embrace did! They covered my dogs surgery without any hassle and did so quickly. I'm sold on pet insurance after this experience and would recommend Embrace. Thank you Embrace!!!
Insurer: Embrace
By: Tonia and Maple
Ease of Use
It is easy to file claims and reimbursement is within 7 - 10 days. They cover what the policy says they cover.
Insurer: Pumpkin
By: Michelle
very positive experience…
I’ve had a very positive experience with ASPCA. They have never denied a claim, never asked me to provide extra documents, and never created any unnecessary fuss. Every claim I’ve submitted has been processed quickly—usually within a week to 10 days. The process is simple, straightforward, and reliable. It’s reassuring to know I can count on them when I need support.
Insurer: ASPCA
By: Lan Cao
Reimbursement without the fight!
I have had Embrace insurance for three of my dogs. Although with each animal the first claim took a little longer(but still within a 7-10 days), each subsequent claim has been dealt with quickly and efficiently, on some occasions, the same or next day! This gives great peace of mind knowing that "fighting" with my pet insurance for reimbursement is not on my radar when dealing with my ill pet. This is much appreciated . Highly recommend
Insurer: Embrace
By: michelle egland
Go with a different insurer other than Fetch
Choose a different pet insurance provider, Fetch will quickly find every way to deny a claim as a pre existing condition and not pay your claim. After many years as a customer with Pet Secure we transferred over to Fetch for our 5 year old dog because they advertise that they cover comprehensive dental and we knew he would eventually need his first dental cleaning. Our dog had a a routine dental cleaning months after we signed up with Fetch, our dog had to have some teeth extracted based on X-rays taken during the procedure, they denied the claim with 24 hours because they said that we hadn’t provided medical records for the 6 months prior to being a customer. We then uploaded an additional record for the standard vet appointment our dog had prior to the dental appointment, they then said the reassessment of the claim could take up to 30 days (even though the initial claim took 24 hours) during which they continued to take their $100 premium. They came back with a secondary denial of the claim stating that the teeth that were extracted were due to periodontal disease as a pre existing condition because the vet noted one broken tooth in his initial standard appointment, there was no way of noting which teeth (if any at all needed to be removed) until X-rays were taken during the actual procedure, we assumed we were just having a standard dental cleaning for our dog. We have since followed up with Fetch to discuss the second claim denial and no one has responded. We have since terminated our policy, it’s been a disappointing experience from start to end.
Insurer: Fetch Canada
By: Krista