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 19, 2025

After we figured out the process we are…

After we figured out the process we are very happy with the outcome

Insurer: Fetch

By: Lp

Verified December 19, 2025

Fast Refund!

My dog had emergency surgery, and it took over a week for the Vets and Surgeon to figure out the issue. My bill was in the thousands. Spots processed and refunded my claims very quickly! I was surprised and relieved. My dog's recovery is 6 weeks, which is enough for me to worry about right now. I have had Spots for 3 years since he was 2 months old.

Insurer: Spot

By: Debbie Cohen

Verified December 19, 2025

its easy to get reimbursed

its easy to get reimbursed

Insurer: MetLife

By: customer

Verified December 19, 2025

Quick claims processing time and no…

Quick claims processing time and no payment disputes

Insurer: MetLife

By: Erich Drotleff

Verified December 19, 2025

Claims are processed quickly and…

Claims are processed quickly and efficiently !

Insurer: MetLife

By: Adriana Trujillo

December 19, 2025

Customer service stinks

Customer service stinks Reimbursement on claims are low High policy price increase when renewing

Insurer: Nationwide

By: T C

Verified December 19, 2025

Rebecca was very knowledgeable and made…

Rebecca was very knowledgeable and made sure I understood the coverage. We have 3 labs so very important to know how this will benefit us. She was outstanding and I highly recommend this company!

Insurer: Prudent Pet

By: Margaret N

December 19, 2025

Been with Embrace for several years

Been with Embrace for several years! Never a problem with claims or refunds! UNTIL NOW! Explanations meant nothing! Kept on going on about an issue from 1/2024 with teeth! even though that issue no longer was relevant! Didn't matter, it was on record so written in stone! Keep in mind going back 2years! The agents were very polite in trying to explain! But, still out hundred of dollars! Very disappointed!

Insurer: Embrace

By: Nik D'ambra

Verified December 19, 2025

I would have liked a larger refund

I would have liked a larger refund, but I guess it met the quotes to my policy. Claims were processed quickly and paid quickly.

Insurer: Spot

By: Customer Pat

Verified December 19, 2025

One of our dogs has lymphoma...

One of our dogs has lymphoma so the bills for treatment stack up quickly. Filing a claim is easy with the app. Claims are paid quickly and deposited to my account. It is great to not stress about the bills and insurance and be able to focus on keeping our dog comfortable.

Insurer: Healthy Paws

By: L. Ginn

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