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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Fast return and people that truly want to help…
Fast return and people that truly want to work with you
Insurer: Fetch
By: Rebecca Kroes
Quick claim process
Quick claim process. Very fair settlement.
Insurer: Spot
By: Barbara M.
BAD BAD BAD
EVERYTHING TAKES AT LEAST TWO SUBMISSIONS, SOME FIVE. I SEND IN FIVE CLAIMS TOGETHER AND THEY PROCESSED TWO. THEY DIDNT DENY THE OTHERS, THEY JUST IGNORED THEM. THIS HAPPENED SEVERAL TIMES. I WAS ALSO TOLD MY DEDUCTIBLE WAS MET (AS REFLECTED IN THE APP) … LATER THE SYSTEM SHOWED IT WASN’T BY AN AMOUNT ONLY TO HAVE THAT AMOUNT (OF UNMET DEDUCTIBLE) INCREASE LATER. FRIENDS HAVE SIMILAR ISSUES. I KNEW THIS REVIEW WOULD BE BAD AND DIDNT WANT TO POST BUT SINCE THIS IS THE FOURTH REQUEST, I DECIDED TO POST SO THE REQUESTS STOP
Insurer: MetLife
By: Denver, CO customer
I submitted my first claim and was impressed
I submitted my first claim, wondering if I was going to be disappointed in Spot, but was very pleasantly surprised. Spot took my claim and within a few days they acknowledged my claim. A few days later my reimbursement check was in my mailbox. I highly recommend Spot Pet Insurance. My dog, Riley and I are impressed with Spot.
Insurer: Spot
By: Sandy
First Time Pet Insurance Buyer. Good First Experience.
This was the first time I've ever purchased pet insurance. We have a new Malinois puppy and it seemed prudent. After checking a lot of different insurances I found this one to be the best value for the money. We also added the "wellness plan" since she will be getting all of her puppy shots and check ups. The first wellness check up and puppy shots bill I submitted for payment was approved within 3 days. They paid for everything except for her Puppy ParvoVirus vaccine. I thought it strange since they paid for her other vaccine. I called them on Christmas Eve (day) and got a US based customer service rep. She looked at it and said it was just an error since my vet's billing code didn't show "VAC" or the word "Vaccine" on the bill. They apparently use some type of AI to read and pay claims. She said it would be paid and the amount of the Parvo Vac would be added to my reimbursement check. Easy-Peasy. I wish all my medical claims were that easy to fix. So far so good with this new insurance. At the price of vets these days (I'm in Hawaii) you can easily recover your annual premium in just one or two visits. Our friend's Pomeranian puppy broke her leg and her vet bills totaled $11k for everything to fix it. Like all insurance, best to have it and hope you never need to use it.
Insurer: Pets Best
By: Linda M.
Embrace has been easy to partner with…
Embrace has been easy to partner with for the health of my cat. When my boy passed away, the Embrace staff were professional and supportive. They were always prompt with claim payments. When I called to remove home from the policy, I was immediately refunded that month’s prorated premium (I was not expecting that).
Insurer: Embrace
By: Janet Underwood
Spot has been true to their word!
My dog had two emergency vet visits and a hospitalization before the correct diagnosis was discovered and proper treatment administered. All very stressful and expensive. I was concerned about my sick pet as well as the rising costs. Spot responded and paid according to my policy guidelines with no issues and my dog is recovering. Such a relief!
Insurer: Spot
By: Jacqueline Flynn
Submitting Claims
Claims are easy to submit online. It does take some time but not unreasonable. I have never had any problems receiving payment.
Smooth claim process
Our claim was processed in a timely manner and we did not encounter any surprises. We really appreciate it.
Insurer: Spot
By: Matt Ericson
Quick Payout
"My first time sending in a claim for my pup. This was for a wellness exam. Very quick payout. "