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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Every time I try and put in a claim…
Every time I try and put in a claim there is an issue. They have to go back and check records form different vets to determine if the claim is worthy of fulfilling. My primary vet is 50 miles away and was closed when my 2 year old Westies stepped on something in the yard and began limping. Went to emergency vet and was taken care, submitted the invoice and the have to go back 3 years and around the world to satisfy this claim after 11 days.
Insurer: Embrace
By: mike
4 out of 5
Normally I would put this all the way up to five, but recently there's been some sort of technical issue with their website. A month ago I have been unable to login to my account from a computer browser. Doesn't seem to matter if it's chrome, Firefox, or edge. I put in username and password and it goes to 403 Forbidden error, due to Microsoft Azure App Gateway. This naturally makes it hard to submit claims, etc. I had to download their app to get access to my account. I prefer the web browser as it allows easier access to vet bills to be added for claims. This is a recent issue, 2026, but this is going on six weeks now where have to rely on their app to access my account. Claims, support is all top notch otherwise. Highly recommend, but really need to get the online portal functioning.
Insurer: Pets Best
By: Craig Taylor
They always find an excuse not to pay
They always find an excuse not to pay. It’s not covered or it’s before policy period which isn’t true it happened during police period it was not a. Existing condition it just happened
Insurer: Pets Best
By: Lisa Leyvas
Great Pet Insurance highly recommend
Easy processes. Fast processing of claims.
Insurer: MetLife
By: C baron
Disappointed
I am always disappointed by the amount Spot pays versus the amount my vet charges which is consistent with the rest of my area vets. This seems to me to be partial coverage. Nothing close to 80% for example. And it doesn't seem to matter whether we are talking about shots or wellness exam or an illness exam. I am reconsidering using Spot moving forward because what I pay for it does not seem to be a good value relative to what they are covering.
Insurer: Spot
By: Nancy B
SPOT is best
After speaking with Trish I was put at ease and was given instructions on how to fill our claim and what to send receipts and where to send them. I received text that our claim had been received and we should be hearing from SPOT soon. We are so happy with SPOT. Thank you.
Insurer: Spot
By: Jesse Ortiz
The insurance basically covers nothing
The insurance basically covers nothing, why am I paying such an expensive insurance for it to cover so little
Insurer: Trupanion
By: Claudia
If I could rate zero stars I would
If I could rate zero stars I would. Every claim I submitted was denied, they work to find anything in your pets history they can claim as pre existing. I submitted a claim in January shortly after my dog was diagnosed with Cushings disease and they said it was pre-existing even though the diagnosis was made that month. I've since cancelled my policy with them.
Insurer: Spot
By: Rob
Great Pet Coverage
Great pet insurance and so easy to manuver thru. My advice is to get the coverage of all three because you don’t know what your pet may need. The only regret I have was not getting my puppy full coverage. They are great at paying the claims pretty quickly. Within a week.
Insurer: Spot
By: Jacque
Submitting for reimbursement was so…
Submitting for reimbursement was so easy, and fast turnaround.
Insurer: Trupanion
By: Monica