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.

62,907 total


Verified May 14, 2026

Healthy Paws is the best insurance…

Healthy Paws is the best insurance company. Claims are processed immediately and the reimbursement is rapid. Highly recommend this company.

Insurer: Healthy Paws

By: Lynn

Verified May 14, 2026

Three appeals and then approval.

My dog had surgery to remove a mammary tumor and was spayed at the same time. I was denied twice saying the surgery was preventable care though an entire mammary gland was removed, biopsied, and sent to a lab. That is not preventative, that is a health issue. On my third appeal, when reviewed by an outside vet, the charge was covered. I should not have had to jump through hoops to get required care covered.

Insurer: Healthy Paws

By: Sandrea

Verified May 14, 2026

Pet insurance

I’m happy to have coverage for my furnaby

Insurer: MetLife

By: Traceye Hines

Verified May 14, 2026

adoro claims experience

Claim was paid within 24 hours of submitting. Process was very easy and payment received promptly.

Insurer: Adoro

By: Holly

Useful
Verified May 13, 2026

The whole process is always super easy!

The whole process is always super easy!

Insurer: Trupanion

By: Trevor

Verified May 13, 2026

Expensive Specialty Vet - Quick Reimbursement

My dog was showing signs of pain and I had to take him to our local vet, then a specialist. Healthy Paws gave me a huge sense of security to go forward with some very expensive procedures. The process to submit a claim is extremely easy and the review process is fast. I had a direct deposit in my account after a few days of submitting the claim. My dog was able to get the treatment without going into a massive amount of debt. Having insurance saves me thousands of dollars.

Insurer: Healthy Paws

By: MNP

May 13, 2026

Awful

I rescued my 8 year old pup. He’s now 12.5 and Embrace has done everything in their power to say any claim is linked to a preexisting condition. When we rescue, we don’t know if a pet has health conditions. I went above and beyond to get them the pet records from a prior owner and all they did was use that to exclude claims. Same excuses given for the past 4.5 years. Finally I switched carriers because I couldn’t deal with their horrible claims department anymore.

Insurer: Embrace

By: Carriann Isman

Verified May 13, 2026

Simply & Easy Process

SPOT has been such a simple claim submission and quick process to get your refund - Would definitely recommend to all pet owners!

Insurer: Spot

By: Keana Lono

Verified May 13, 2026

quick and easy claim processing

quick and easy claim processing. intuitive navigation

Insurer: Spot

By: Pavel Shumov

Verified May 13, 2026

Quick claim processing and refund

The claim processing was very smooth. The refund was fast and easy.

Insurer: Spot

By: CMT

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