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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Healthy Paes is great insurance
Healthy Paes is great insurance. The are responsive and very fast in processing claims.They give a very good value for the price.
Insurer: Healthy Paws
By: bruce crouch
Fast and smooth claim transaction.
Fast and smooth claim transaction.
Insurer: Fetch
By: Danna Wallace
Need more coverage
Wish there were more levels of coverage for wellness claims. Will only cover less than about half of flee and tick meds. Then no other wellness claims for remainder of the year.
Insurer: Pets Best
By: Richard
Excellent Coverage & Peace of Mind
My pup George had two surgeries for an obstructed small intestine. I submitted my claims almost daily over a three-week period. Pets Best reviewed and reimbursed me for my claims quickly and without any hassle. I was so worried about the cost of the vet bills, but Pets Best has covered most of the cost. I am so grateful that Pets Best has been so easy to work with and that I have a good policy.
Quick and easy submission of claims and…
Quick and easy submission of claims and quick payment.
Insurer: Pumpkin
By: Elizabeth
Great turnaround time and great…
Great turnaround time and great coverage.
Insurer: MetLife
By: Tira
UNETHICAL LOOPHOLES. Do NOT use Embrace!
If I could give this company 0 stars I would. I enrolled in Embrace Pet Insurance through USAA in April for two cats. I added my dog later so I have been paying nearly $100/month for all 3. What I got in return was a masterclass in how to deny coverage without technically breaking the rules. One of my cats, Boots, was diagnosed with anxiety MONTHS after her policy started. That means it was not pre-existing and should have been covered. I understood I had a $500 deductible and accepted that I'd be paying out of pocket until I met it. However, TODAY 12/19/2025, when I called to ask about lowering my deductible at renewal (expecting a higher premium), I was told that any policy change would cause them to "reassess preexisting conditions" , and suddenly, her anxiety would be considered pre-existing and excluded entirely. Let that sink in for a second... A condition that developed while insured magically becomes pre-existing if you try to adjust your coverage... This effectively traps you in the original plan and punishes you for having a pet who actually needs ongoing care. If you're buying this insurance hoping it will help with chronic conditions, behavioral meds, or long-term care, don't. It works fine if nothing ever happens. The moment you need it, or try to make your policy actually useful, the loopholes appear. Extremely disappointing, especially given the USAA partnership. I cancelled all policies and would never recommend this company to anyone who actually loves their pets.
Insurer: Embrace
By: Madi Leigh
The claim was very easy to file and the…
The claim was very easy to file and the response was quick.
Insurer: MetLife
By: customer
Easy as Pie claim
It was so easy to file a claim for my 4 legged friend. Just had to uploaded the receipts and 12 months of my pups records for first time and submit. Got a response after a few days and claim was completed with a refund of 80 percent of what was requested. Easy peasy.
Insurer: MetLife
By: David C
Coverage is great and for a fair price
Coverage is great and for a fair price. Customer service was helpful explaining the different plans and getting the military discount added for us.
Insurer: Prudent Pet
By: Sally