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


Verified March 19, 2026

Excellent Claim experience

Once I got the Veternary paperwork all provided the Claim was handled in such a speedy way straight into my bank account. I appreciated the patience Fetch showed me as I worked on getting paperwork from 4 Vets this past year due to traveling with a sick dog, Our Vet retiring and trying to find a replacement for the care of Miss Scout! Got all "ducks in a row" and Fetch examined the Claim and took of it quickly!

Insurer: Fetch

By: JDT

Verified March 19, 2026

Elton's lobectomy fully reimbursed

The day after Elton's first birthday he was diagnosed with lung lobe torsion, a rare condition that requires a lobectomy. He had to have immediate surgery. He was at the vet clinic for four days and racked up a huge bill! Healthy Paws was there every step of the way, answering my daily stupid questions (as I was new to pet insurance!) and reassuring me. When I presented them with the final 5-page invoice and medical report they didn't question at thing. Every line item was reimbursed and deposited to our account within two days. I was amazed! Healthy Paws claims processing is seamless and easy. I highly recommend them to any pet owner I know. Elton thanks you!

Insurer: Healthy Paws

By: Caroline Foster

Verified March 19, 2026

Submitting the claim was easy

Submitting the claim was easy. I was contacted regularly regarding the status of my claim. The results were easy to understand. Very good experience and I highly recommend this company for pet insurance.

Insurer: Fetch

By: Diane

March 19, 2026

I would NEVER recommend Embrace Pet…

I would NEVER recommend Embrace Pet Insurance. I had a policy and paid premiums for 24 months before submitting my first claim. They waited till first claim to do ANY checks and disclose any “pre-existing” conditions they refuse to cover. How about operating with integrity and doing this right upfront? They will hide behind legal disclaimers saying it was “optional” but who wouldn’t want to know what’s excluded from day 1? NOT after paying 24 months of premiums that they won’t return. Imagine if health or life insurance worked that way??? Pay your premiums and when you get sick we will inform you this was a pre/existing condition with zero coverage…. This is completely shady!

Insurer: Embrace

By: Shaun Wheeler

March 19, 2026

HORRIBLE DO NOT USE LEMONADE PET INSURANCE

Lemonade finds any reason NOT to cover a claim. My dog had ACL surgery on her right leg in August, we then got pet insurance because we didn't want anything like that to happen again. In March she tore her left ACL so now they won't cover it because they consider it a pre existing illness, lol. Thats like telling me becauae you have something wrong with your right arm then your left arm is going to go oyt too. 🤣🤣 What a SCAM!! DO not get pet insurance from them. Save your money.

Insurer: Lemonade

By: Theresa

Useful
March 19, 2026

HORRIBLE DO NOT USE LEMONADE

Lemonade finds any reason NOT to cover a claim. My dog had ACL surgery on her right leg in August, we then got pet insurance because we didn't want anything like that to happen again. In March she tore her left ACL so now they won't cover it because they consider it a pre existing illness, lol. Thats like telling me becauae you have something wrong with your right arm then your left arm is going to go oyt too. 🤣🤣 What a SCAM!! DO not get pet insurance from them

Insurer: Lemonade

Veterinarian: Neighborhood Veterinary Centers

By: Theresa

Useful
Verified March 19, 2026

Healthy Paws is a great insurance…

Healthy Paws is a great insurance program for your pets. I’ve only had good experiences with claims. If you love your pet like I love my Tatiana, then they are in the best of hands with Healthy Paws.

Insurer: Healthy Paws

By: Frances Darakjian

Verified March 19, 2026

They processed my claim quickly.

They processed my claim quickly.

Insurer: Pumpkin

By: Elisabeth Harrison

Verified March 19, 2026

The claim process was seamless

The claim process was seamless. I submitted my claim with documentation needed , and in two days I had a notice of completion. Following week received the reimbursement check , which enabled me to make a large payment toward the charges on my care credit card for the hospital care, thank you

Insurer: Pumpkin

By: Ann

March 19, 2026

Easy Process When It Needs to Be

Having a sick pet is bad, but a complicated claims filing process makes it worse. This is NOT the case with Pets Best. The process was simple...answer a few questions and download supporting documents. They keep you informed during the approval process and send a detailed email when the claim is completed. I am a huge advocate for pet insurance, and highly recommend Pets Best.

Insurer: Pets Best

Veterinarian: Wake Veterinary Medical Center

By: Leslie

Useful

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