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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I was VERY skeptical about getting pet…
I was VERY skeptical about getting pet insurance but have 3 rescue cats and just needed the security to know if something happened, they would be ok. I got them the wellness add on and took all three of them to vet for the first time. I am getting back more than $500 of a close to $900 bill for all three of them. I am SO SO GRATEFUL and really can't believe it actually worked. I also need to get some dental surgery for my little girl and realized it just at this vet visit. I believe that they will cover some of this as well. Honestly, super impressed. The claim was easy to submit. They responded within days and said the reimbursement is on the way to direct payment to my bank account. One very happy cat mama.
Insurer: Pets Best
By: MN
The ease of submitting Vet bill and…
The ease of submitting Vet bill and supporting soap notes makes the experience simple.
Insurer: MetLife
By: Catherine
Help with getting appropriate coverage while reducing premims
Embrace representative reached out by phone because our policy renewal was expensive. When I called back, she helped me figure out how to reduce the premium without reducing the protection that was important to me. She was patient, knowledgeable, and went over every imaginable option (more than once). She understood what I wanted for our geriatric dogs and helped me figure out that raising the deductible was the most cost effective solution. We LOVE Embrace. They have always paid our claims promptly and fairly.
Insurer: Embrace
By: Anne Wallwork
the process was easy fast
the process was easy fast, and very easy to understand i know what im paying for and i know what coverage i have.
Insurer: Nationwide
By: Victoria
Being told that arthritis is a pre-existing condition for cancer?
Being told that biopsies were covered and then to get denied stating that they are not covered and cited a "pre-existing condition of arthritis" was absurd when the biopsies were testing for bone cancer, which as a medical professional, I know those are completely different diseases and not caused by one or the other. Spot can do better for spilling out this incorrect information. It was disappointing and absolutely wrong. Not sure what kind of medical/vetinary background your company has. Paid over $2k in monthly premiums this past year only to get every claimed denied. Last month, Spot decided to allow one vet visit but I haven't met my deductible yet. Also funny coincidence that after that claim was approved that my monthly premiums went up over $50/month with no notice or explanation as to why. Seriously think twice about Spot.
Insurer: Spot
By: Brandie
Once good...now Extortionists, violating consumer protections.
Healthy Paws was a good insurance company before they got taken over by Chubb. Rates were fair, coverage was good. Rates have escalated ridiculously since becoming "a Chubb Company." This year, after over 10 years of paying premiums, my rate was escalated by over 122%. In one fell swoop. This is a violation of consumer protection codes, and has been reported to the Better Business Bureau. This company has lost its moral and ethical compass, and has become yet another scummy extortion front. Truly abhorrent.
Insurer: Healthy Paws
By: Nicole Sarradet
Easy to submit claim
Easy to submit claim. Reasonable time to process it too.
Insurer: MetLife
By: Veronica F
Health insurance is important for pets, too!
Health insurance is important for people so why shouldn’t it be for pets? I never expected to use it for my young, energetic kitty but when I had to take her to the vet because she couldn’t keep anything down for a few days, I’m so glad I have it! It was easy to upload my documents in the app and I received my reimbursement within a week! MetLife Pet is great!
Insurer: MetLife
By: Jeannie
Excellent service and insurance!
Excellent service and insurance!! Quick payment, very easy to make a claim.
Insurer: Spot
By: Elsie
Easy to submit claims
Easy to submit claims. Timely responses
Insurer: Spot
By: Melissa