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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Cooper's Claims
"Cooper had an urgent situation that required surgery. I submitted my claim through the Pets Best portal and within a short time I had confirmation that the claim was received and was in review. I did not need to provide any additional information, and the reimbursement was deposited into my bank account within 7-10 days. It was a smooth, and stress-free claims experience.
Insurer: Pets Best
Veterinarian: Happy Paws Pet Hospital - Affordable Vet Clinic Las Vegas
By: Sherrie
First time submitting claims - great experience
First time submitting claims. The process was extremely simple and got notification via email that they were submitted. One claim results came back right away and the other just a few days later after the weekend. I submitted one not knowing whether or not the items would be covered since we had a bump removed that turned out to be a mast cell tumor during a regular teeth cleaning. The claim representative was quickly able to determine what was covered and what was not within that bill which is hard for people not in the business to decipher. The checks came promptly. Glad we have Pets Best insurance for our dog. Helps us be at ease during this time and just focus on his health.
Insurer: Pets Best
By: Doug
Insurance For When You Need It
Insurance is one of those things you don't love to pay for but hope you never have to use. Then you need it and you're glad you have it. Our German Shepard has lymphoma and Trupanion is REALLY helping us out with the treatment costs.
Insurer: Trupanion
By: Greg
Embrace Pet Insurance…poor reimbursement
I used paid for Embrace Pet Insurance for my dog for many years but hardly ever submitted a claim. In April I submitted a claim for an emergency visit for my dog and it’s been a nightmare to get reimbursed. They claim they haven’t received information which they have. I received multiple and almost daily notices that they need clinical notes from a vet that I already told them he has not seen in years. Their portal was not allowing me to submit requested documents, because it was not working properly but they continue to send me repeated emails even after I email the info myself through the claims department. Their communication system is a mess and they are delaying my reimbursement by any means possible. I’ve been reading that they will find any “preexisting”event such as vomiting a “condition” and not reimbursement. I will update and let you know if they do the right thing and how long it takes them to do it. This experience has been very frustrating and I think they are hoping I’ll give up and stop trying to get my reimbursement.
Insurer: Embrace
By: karen machuca
Same old insurance
I have had 5 dogs over the last 30 years. 3 french bulldogs. Finally purchased a policy for my french puppy. He was diagnosed 11/20/25 with boas. He had been to the vet 5 times since 9/10/2024. Vet never mentioned boas. Told me thyroid or addisons disease was causing regurgitation. Vet stuck boas in his file in 2024 without ultrasound or any imaging. Obviously to cover herself. Embrace denied every bill after that 2024 date as pre existing. I am stuck eating over 5k in bills and needing surgery that will cost 10k. It’s still typical insurance, pass the baton, point the finger and make it impossible to get a live person to appeal. Don’t waste any money if your breed has potential classic problems. Every french bulldogs can be diagnosed with stenotic nares or boas. Policy is a worthless piece of paper. Seeing my premiums are $1200 a year
Insurer: Embrace
By: Robert Hegarty
Thanks!
Simple and easy to follow. No confusing questions about what is covered. I do wish I could have added a 4th pet. My pretty kitty Marcy.
Insurer: MetLife
By: Misti Bowers
The best post-pay coverage out there…
The best post-pay coverage out there that provides peace of mind to not have to depend on finances to make life-changing decisions.
Insurer: MetLife
By: CeeKay1
Alex was very helpful on the phone
Alex was very helpful on the phone. I give him a 5 star review. However, I have a complaint about policy coverage which I know Alex has no control over... I have been a Nationwide Pet insurance customer for over 10 years. I have two new kittens. I'm disappointed that there is no "kitten exclusion" for the 14 day waiting period for coverage. I have new kittens who are 8 weeks old. I want to take them in for their first kitten appointment right away, but although I purchased coverage today, I cannot use my coverage for 14 days. By definition an 8 week old kitten who has not been to the vet does not have medical records that need to be reviewed by underwriting. I'm am left making a choice to postpone my kittens health check or pay for it myself even though I have paid for insurance. I can't justify having their health check delayed so I will pay for it myself. Disappointed that kitten coverage is not available to my kittens immediately.
Insurer: Nationwide
By: Kathleen Sedehi