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.
58,154 total
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Lenghty Processes Overall
Filing claims is extremely lengthy for one. Two, before I ever filed a claim, somehow another customer filed a claim on my policy to which I had to wait on the phone for 45 minutes to resolve the issue. Very unprofessional overall and not worth the $$.
Insurer: MetLife
By: Bradley M
Emergency Vet Visit
We had to take our pup to the emergency vet, thankfully it turned out to be nothing serious. I use the Spot app all the time, all you do is snap a picture of the invoice and send it in. Within a few days they process and we have direct deposit so we got our reimbursement quickly
Insurer: Spot
By: Shiloh
Respect and responsive to Policy Owner's Concerns
I am a new policy holder with Embrace with recommendation from my USAA policy request. As is standard practice Embrace was thorough and diligent in reviewing my pet, Sophie (a 3 year old lab) history and reporting their assessment. It contained two pre-existing conditions one of which was an error from my SPCA. The representative made it clear what the conditions were and how best to communicate any errors. After considerable time, the Vet finally responded to Embrace recognizing the error and requesting a removal of the Dental preexisting condition. I am completely amazed how promptly this was accomplished by Embrace. And appreciated Thanking me you for my patience as we got to the bottom of this case and of course, thank you for continuing to choose Embrace. I have complete trust that requests of my policy will be assessed, analyzed and responsive with the utmost professionalism and respect for my concerns.
Insurer: Embrace
By: Sarah
submitting multiple claims are a bit…
submitting multiple claims are a bit challeging
Insurer: MetLife
By: Gina Griffith
Competitive rates!
First time signing up for Pet Insurance for both of my dogs, which can get pretty expensive. I’ve only had to deal with two claims and so far very easy to submit refunded directly into my bank account within a week.!
Insurer: MetLife
By: Lyn
Easy to file a claim
Easy to file a claim. No problems at all
Insurer: MetLife
By: Julie H
Love Spot!
Claim process is easy Deductible is reasonable Received the guaranteed 70% of expenses we paid for at the vet App is great
Insurer: Spot
By: Dallas Tavenner
Claim processing
Very easy to send in claim information a processing doesn’t take long. Never had an issue.
Insurer: Spot
By: Laura Bonanos
It couldn't have been handled any…
It couldn't have been handled any better. From the simple upload of records to the quick turn around of reimbursement (1 week!) I'm thrilled with the service and happy to recommend it to others with pets.
Insurer: Spot
By: Kathy S
Spot is great
I had a great experience with Spot Insurance when I had to take my cat to the vet while she was ill. The claims process was straightforward, communication was clear, and they really came through when I needed support during a stressful time. Knowing I had coverage made a big difference, and I felt confident my pet was taken care of. I’m very glad I chose Spot and would recommend them to other pet owners.
Insurer: Spot
By: Jorge Velasco