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
Other Categories
Very quick to settle claims.
Very quick to settle claims.
Insurer: MetLife
By: Cathie
I purchased Embrace Pet insurance for my German Shepherd dogs
I purchased Embrace Pet insurance for two of my dogs six months ago. I researched a lot of companies and settled on Embrace. They seemed to have the best coverage for the price. The person that I signed up with on the phone originally said that they wouldn't cover any illness unless I had a Wellness Check done on my dogs. I thought that was silly considering they weren't sick, but whatever. He also told me that any accidents & injuries would be covered immediately (as in, the next day). Well, the next day, my German Shepherd sliced one of his paw pads really badly, so I made an appointment with my vet for the following day. By the time I got to the vet, a large portion of his paw pad had completely fallen off from the cut and he wasn't limping anymore. I was thankful. He was fine. I decided to go ahead and have a wellness check done since we were there. Embrace did not cover the injury because he had a wellness check and because there was supposedly a 14-day waiting period. Then I called Embrace and spoke to Derrick who checked into it and said that an accident should have been covered immediately and he would resubmit the claim. Today, I received an email from Embrace stating that they would not cover the accident because there was a 30-day waiting period. These guys should really learn about the company they work for and get their stories straight. They also said that the vet's notes said that my mere 2-year-old German Shepherd had some tarter build-up and so that is now a pre-existing condition and they won't cover any dental for him if he has a problem. The paw pad of course, is not a pre-existing condition. And because the vet prescribed a parasite medication, they won't cover anything having to do with a parasite for at least 12 months. I mean, seriously? This is not how businesses should be run. I spend a lot of money on pet insurance and this company is full of a bunch of liars and scam artists. And when I was telling two of my friends about this today, they said that they had a similar experience and decided pet insurance was too expensive and cancelled their policy. When I told them that the company I was talking about was Embrace, they said, "That's the one we had!" So, that clinched it. I'm not nuts. That was enough for me and I have decided to cancel my policies with this company and will be seeking insurance elsewhere (probably the one I have for my other dog, PetFirst with MetLife). I hope this review was helpful for people. I really do not recommend this company at all. And, btw, this is only the second one-star review I have ever given to anyone, so this is legitimately bad in my opinion.
Insurer: Embrace
By: Jamie Kirkpatrick
I appreciate how easy it is to file…
I appreciate how easy it is to file claims and how quickly reimbursements are processed.
Insurer: MetLife
By: customer
MetLife Pet has been amazing to deal…
MetLife Pet has been amazing to deal with. They've lowered deductibles when the policy hasn't been used and upped our limit as well. Easy claims and pretty fast payouts.
Insurer: MetLife
By: Laura Babineau Costello
My cat Lupin suddenly had an acute…
My cat Lupin suddenly had an acute urinary obstruction, which is a life threatening emergency. We first went to a vet urgent care and it took them 6 hours to unblock his obstruction. We then had to take him to a hospital for 36 hour monitoring, which is needed because the chance of reconstruction is highest in this period. Needless to say, this was all very unexpected. And VERY expensive. I am so grateful we had Healthy Paws for Lupin, and they were able to reimburse 80% of his urgent care and hospital cost. If you love your pet and want them to be with you for as long as possible, getting pet health insurance is a MUST. It's extremely worth investing in a good company for your pet as soon as possible, because if you have to switch later for whatever reason, pre-existing conditions will become an issue. I'm really grateful I chose Healthy Paws early on and they have been so helpful when emergencies like this happen.
Insurer: Healthy Paws
By: Natasha Choudhury
You are an honest company that provides…
You are an honest company that provides a prompt response to resolve my dog's claims.
Insurer: MetLife
By: AJ
Nationwide is really great insurance if…
Nationwide is really great insurance if you dog is young. I have been with them for a long time; however, when my dog turned 8, they took away a lot of my policy. It is when he will need the insurance the most. So I actually doubled up my insurance with them and Trupanion. Yesterday when I wanted to ask a few questions regarding my policy, the initial person I was on the phone with was rude and confusing. She also refused to transfer me to ask more questions. She was insistent that she could help me.... she could not. She said she would only transfer me if I canceled my policy. So I did! I was finally transferred. The second person was amazing and provided me a good experience. I even signed up for another plan that helped support my dogs wellness plan better and it was cheaper as well. I left a 3 because the company diminished my coverage at the age of 8, and the experience with that 1st woman on the phone. However, the first years of my coverage was great, and the customer service is typically better than what I experienced yesterday.
Insurer: Nationwide
By: customer
Get Pet Insurance !!
We adopted a rescue pup when she was 7 weeks old and immediately got insurance from Healthy Paws. The best decision. Our pup has severe allergies and most recently had a mast cell tumor removed. Healthy Paws has a quick turnaround on reimbursement and they make it so easy. Which is invaluable when you are already dealing with the stress of medications, vet visits and recovery. Healthy Paws has made it possible for our pup to get the immunotherapy and allergy medications she needs plus her recent surgery. We were blindsided by the mast cell tumor and worrying about the cost was not a part of the equation because of Healthy Paws. We didn’t hesitate to have it removed. We submitted the claim immediately and were reimbursed within 48 hours. Our pup is the 3rd one we’ve had with Healthy Paws. Hands down the best.
Insurer: Healthy Paws
By: Kami W.
I am so pleased with Spot Pet…
I am so pleased with Spot Pet insurance, submitting a claim was very easy, and our claim was processed in a week! The website is user friendly; I highly recommend this company!
Insurer: Spot
By: Christine Burroughs
Fetch pet insurance is a scam
Fetch pet insurance is a scam. They say reimbursement rate of 70% meanwhile I got 0.00% back two of my claims. You pay so much monthly for very little results. Very misleading. Very disappointing
Insurer: Fetch Canada
By: joelle koenning