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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If you are on the fence, I beg you invest in your pet, you won't regret it.
I have always heard about pet insurance but was undecided. When our Rottweiler turned 3 we decided it couldn't hurt. He's now 4 1/2 and had his first health scare. Once we quickly uploaded our receipts they paid out within 7 days and put up no fight covering the claim. What an i credible peace of mind it is.
Insurer: Spot
By: Todd
Easy experience with no problems
The claims process was simple, and Spot is extremely forthcoming about what will and won't be paid per your policy. My cat had a procedure to remove a bad tooth on Dec. 3 and my claim paid out on Dec. 16. Thanks Spot!
Insurer: Spot
By: Saralyn Norkus
MetLife Pet Insurance is the greatest
MetLife Pet Insurance is the greatest. The claims are easy to submit and reimbursement is quick. I am completely happy.
Insurer: MetLife
By: joy mcgrath
Quick review time of claims and…
Quick review time of claims and reimbursement. So many options for plans.
Insurer: Pumpkin
By: Colleen
I’ve looked over tons of Insurance and…
I’ve looked over tons of Insurance and your guises looks like the best coverage and you’re the most trusted in my family.
Insurer: MetLife
By: Tuesday
Saving Bella
5-Star Review for Embrace Pet Insurance I can’t recommend Embrace Pet Insurance highly enough—it’s been a true lifesaver for my beloved cat Bella, and I wish every pet owner knew about it. Bella has been insured with Embrace for over 11 years. For the first 10, she was the picture of health—never a single claim—and I nearly canceled the policy to save money. I’m so grateful I didn’t. Just months later, Bella was diagnosed with small cell lymphoma (SCL). We sought specialized treatment at Cornell University Veterinary Specialists for more than a year, and today, I’m overjoyed to say she’s in full remission. During that time, she was also diagnosed with hyperthyroidism and gingivitis, adding to the emotional and financial strain. My plan has a reasonable $100 deductible, 80% reimbursement, and up to $10,000 annual coverage—perfect for comprehensive care without breaking the bank. Embrace covered diagnostics, chemotherapy, medications, specialist visits, and follow-ups promptly and fairly. Without this insurance, the costs would have been overwhelming, and I honestly don’t know if I could have afforded to give Bella the fighting chance she deserved. It might have forced a heartbreaking decision no pet parent should face. What sets Embrace apart is their exceptional service: claims are processed quickly (often with direct deposit), medications are covered without hassle, and their staff is genuinely friendly, knowledgeable, and compassionate—answering every worried question with patience during our toughest days. Pet insurance isn’t something you think you’ll need until you do—and when that moment comes (even after years of perfect health), Embrace is there like a safety net you didn’t know you had. Bella is thriving today because of it. If you love your pet as family, do them (and yourself) a favor: get Embrace. It’s peace of mind that turns out to be priceless. Thank you, Embrace, for helping me save my girl’s life. ⭐⭐⭐⭐⭐
Insurer: Embrace
By: VICTORIA SINDONI
This claim experience was so fast that…
This claim experience was so fast that I didn't have to keep checking and following up.
Insurer: MetLife
By: Dennis
they are very helpful and get back to you right away
i received money back for wellness
Insurer: Pumpkin
By: Donna
Great customer service and quick claims…
Great customer service and quick claims reimbursement!
Insurer: Nationwide
By: Nina P.