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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If you truly love your pets
If you truly love your pets, pet insurance is a must-have. My beautiful English Cream Golden Retriever went in for a routine tooth check, and thankfully, my excellent vet detected a minor heart murmur during the exam. I immediately took action, found a veterinary cardiologist, and got her heart thoroughly evaluated to determine the next steps. The combined cost for the two vet visits plus the specialist consultation came to nearly $1,000. Thanks to our Spot pet insurance, our out-of-pocket expense was only about $175. At 6 years old, my ECR is just as precious to our family as our children. If you want peace of mind, the ability to provide the best care without financial stress, and to keep your beloved companions healthy and by your side for as long as possible—pet insurance (like Spot) is one of the smartest investments you can make for them. It's worth every penny.
Insurer: Spot
By: Bobby Edwards
Filing claims is extremely easy, but
Filing claims is extremely easy. At the beginning, it took FOREVER for claims to be closed. Now it is going a little quicker. They have denied items based on reading documents incorrectly causing me to have to file an appeal. I too signed up because they are associated with Costco. The one thing I can count on…..they definitely take their premiums on time!
Insurer: Figo
By: Ms. D.
My two dogs both needed dental work…
My two dogs both needed dental work which was very expensive, MetLife covered most of it. Such a relief!
Insurer: MetLife
By: Karen
Their policy: "Deny, Deny, Deny"
Every claim that I made was at first denied. I had to call Spot and fight with them each time in order to get any payment at all. And this after turning in invoices that clearly stated annual exams, vaccines, fecal tests, etc. They claimed I turned in an invoice for vitamins. I only turned in two claims while with Spot and both were denied and then paid after I called them and complained.
Insurer: Spot
By: Darci
Best pet insurance
The speed of replying to claims is outstanding.
Insurer: Pumpkin
By: Micheline
Claim was processed incorrectly and I…
Claims take a long time to approve. My most recent claim was processed incorrectly and I had to have a supervisor review which made the process even longer
Insurer: MetLife
By: customer
Love how you cover my dog Stella
Love how you cover my dog Stella. She has melanoma n Trupanion has been with her every step of over coming this cancer. Thank you
Insurer: Trupanion
By: Janet
Pet's Best
We have Pet's Best for a couple of years now. We had decided to take out the insurance on our two youngest dogs. We never had this type of insurance before , so we were initially a little skeptical. It turned out to be a good relationship. The App makes all the difference in the world. After submission of a claim, if there is an issue then they keep you in the loop as to what is going on with the claim, which is much appreciated.
Insurer: Pets Best
By: Cathy Laferriere
Affordable and efficient…
Looked at quite a few other pet insurances and this by far was the best! I had my senior pup insured within days of enrolling and the plan is not only great in coverage but affordable too.
Insurer: Nationwide
By: Dana
I signed up with Embrace over 10 years…
I signed up with Embrace over 10 years ago. I insure 2 cats and 2 dogs. More for the dogs as our cats are indoor cats. The Wellness program is great! All their shots and checkups are covered. I just had an injury claim to our 4-year mini-Poodle. They covered everything! He's coming along great. The staff was so compassionate and understanding. They truly love their job! Anna was great! As long as we have animals, we will have Embrace!!
Insurer: Embrace
By: Mike Bowerman