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.

58,461 total


Verified December 20, 2025

Healthy Paws paid immediately in a day…

Healthy Paws paid immediately in a day or two when my cat was suddenly diagnosed w kidney injury and kidney disease. It was a great relief, given the daunting bills and they paid much of an ER visit. I highly recommend them!!

Insurer: Healthy Paws

By: JillG

December 20, 2025

The worst

The worst. Pets Best policy goes up multiple times per year, and each time it's a 20% increase, all while filing no claims or having NO reimbursements. But when filing a claim for a sickness it gets denied or they cover nothing. There are no customer loyalty benefits, like discounts for being a customer for multiple years. I'm sure when I really NEED this insurance they won't be there for us. I'll be shopping for other insurance from a place that actually cares, and that actually pays back when our dogs fall ill with stomach issues.

Insurer: Pets Best

By: Robert

Useful
December 20, 2025

Grateful

I had a very positive experience with Pets Best when I needed to file a claim. Their team was responsive, clear, and efficient throughout the process, and everything was handled in a timely manner. There were no unexpected issues or surprises the coverage and reimbursement aligned exactly with what I understood when I enrolled. The process was straightforward, and the communication was excellent. I'm very satisfied with the service and plan to continue my coverage with Pets Best. Thank you!

Insurer: Pets Best

By: Nataly

Useful
Verified December 20, 2025

Knowledgeable and helpful customer service

As stressful as this can get when your pet gets sick the insurance company makes the whole process of submitting the claim and communicating very well and as promised on time. The customer service was very helpful and understanding, answered all of my questions and concerns. They explained step by step what I need to do and they responded fairly quickly. We are pleased so far with MetLife Pet insurance .

Insurer: MetLife

By: Joanna

Verified December 20, 2025

It’s been a week since submitting my…

It’s been a week since submitting my claim and I still Haven’t heard a thing much less been reimbursed.

Insurer: Pumpkin

By: Kristina

Verified December 20, 2025

Thankful we had Spot this year

Thankful we had Spot this year! Our doggo decided to go wild the last few months of the year and spot helped us get a good portion of her vet bill back once we met the deductible. The response and refund was quickly processed and directly deposited to my account!

Insurer: Spot

By: KAYLEY

Verified December 20, 2025

Supposed to get 70% back

Supposed to get 70% back! That didn't happen! I'm dropping my policy!!!

Insurer: Spot

By: Patti Molero

Verified December 20, 2025

Very easy to complete and easy to…

Very easy to complete and easy to understand coverage.

Insurer: MetLife

By: customer

Verified December 20, 2025

I’m not super in love with Embrace

I’m not super in love with Embrace. I feel as if they are slow in their claim review. My vet’s office is overwhelmed so I have to get my records from them to submit to Embrace but have had to, on more than one occasion, sent a reminder through the portal to take action on the review. I also think that their disclaimer review is sweeping and punative to older dogs adopted out of shelter.

Insurer: Embrace

By: Miranda Aleksiak

Verified December 20, 2025

Very easy to submit a claim

Very easy to submit a claim, but each year the monthly costs for the premium get higher and higher. Not sure I can continue next year.

Insurer: MetLife

By: ATWSTAR

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