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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Very reasonable price and police and…
Very reasonable price and police and quick processing, never had any issues with any of our claims.
Insurer: Spot
By: Veronica Kruger
Quick & great reimbursement
The claim took less than two weeks to process and I was reimbursed about 70%!!! So awesome. This is such a financial relief. I’m happy with my Spot experience overall.
Insurer: Spot
By: Jessica
It's like a scam!
If I could give a lower review I would. I have paid for their wellness plan as well as the accident/illness insurance but after filing my claim I've been given the runaround. It's like a scam! One of the requirements for the wellness plan coverage was to send in his last assessment at the vet. I sent it and so did the vet. Now they're saying it's not enough. The documentation they're requesting is not something I've ever seen a vet document before. It's a way to get out of paying for the coverage I have paid for!!
Insurer: Embrace
By: Delia Ford
Exceeded expectations
I’ve used them a couple of times and very prompt and paid claims quickly . Would highly recommend
Insurer: Spot
By: Denise H
Having Spot allowed us to save our…
Having Spot allowed us to save our dog's life. Claims and reimbursement are easy. We will never be without Spot again!
Insurer: Spot
By: Elizabeth Senter
Pets best has been great for me
Pets best has been incredible. After having two dogs go through serious health complications with no pet insurance, I’ll never have a pet again without it. I adopted my new pup last year and very quickly got insurance. It was extremely easy to set up, and figure out what met my budget. Thankfully I did. She has had a tough time with her stomach sensitivity. It’s led to many vet visits. After meeting the deductible, everything has been paid back to me in a timely manner. Very simple uploading vet bills through photo. The only thing I would say needs some work is the app functionality. Sometimes it will ask you to log in multiple times. It just needs some updates. Customer service has been friendly, efficient and well educated every time I’ve had to call.
Insurer: Pets Best
By: Alexis Wise
AVOID Spot Pet Insurance
I strongly recommend AVOIDING Spot Pet Insurance and considering one of the many other highly rated pet insurance providers. For nearly two months, Spot has delayed making a pre-approval decision for my dog's recommended treatment despite having received all the requested medical records, documentation, and supporting information. During that time, I have repeatedly been given explanations for why a decision has not yet been made, but no meaningful progress has occurred. My 5-year-old Labrador Retriever has been suffering from a leg injury that has not healed in nearly six months. An orthopedic veterinary specialist has recommended an ultrasound and potentially additional treatments to properly diagnose and address the issue. These delays are preventing my dog from receiving timely care. What makes this situation particularly concerning is that Spot's continued delays are pushing the claim process toward my annual policy renewal date. I have already satisfied my deductible and am currently in the reimbursement phase of my coverage. If the process extends beyond the renewal date, my deductible will reset to zero, potentially costing me thousands of dollars in additional out-of-pocket expenses. From my perspective, Spot's handling of this matter appears designed to delay a decision until after renewal, rather than provide the prompt evaluation that policyholders reasonably expect. In addition, Spot's customer service has been extremely frustrating. Every time I have called, I have struggled to communicate with representatives due to language barriers and poor phone connection quality. Regardless of the representative's knowledge or professionalism, the combination of difficult-to-understand communication and consistently poor call quality has made it unnecessarily difficult to obtain clear answers about my claim. Based on my experience, Spot has failed to provide timely claim handling, transparent communication, and effective customer support when my pet needed care the most. I cannot recommend this company.
Insurer: Spot
By: Robert S
The process with simple and quick
The process with simple and quick. I had another insurance company with my past pets and their reimbursement took just a couple of days. Fetch takes a couple of weeks. No problem, though.
Insurer: Fetch
By: Paul K
Buyer Beware - Read Your Policy for Preexisting Condition Loopholes
I purchased a pet insurance plan through Trupanion for my mini dachshund. Specifically purchased this as my first pet insurance product because of the IVDD condition that often occurs in dachshunds. My Ellie is six months old and is perfectly healthy. My vet listed that she has short legs (no kidding!) in her records and Trupanion used that to record a preexisting condition, thereby excluding IVDD from her coverage. I spoke with two people at Trupanion to ask for it to be amended, but they refused.
Insurer: Trupanion
By: Jennifer Dalton Cooper
A happy and relieved doggy mom
I originally had this insurance, then got a new dog and took some bad advice and tried another company (Sp) and lived to regret it. I switched back to Natuion Wide and now I am relieved and sure my Bailey is covered. Also if I have a claim they make it easy to turn in and it’s processed quickly. Never leaving again
Insurer: Nationwide
By: Courtney Oswald