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


December 11, 2025

Horrible

Horrible. Stay away from this company at all costs. They actually find ways to get out of paying by stating “pre-existing conditions” for everything. I paid almost $10,000 at emergency vet and was reimbursed NOTHING.

Insurer: Embrace

By: Lauren Casey

Verified December 11, 2025

You make it mostly easy to file a claim…

You make it mostly easy to file a claim and I get paid back pretty quickly. It's nice to have insurance for my pets

Insurer: Spot

By: Snowed in

December 11, 2025

Terrible insurance company

Terrible insurance company. Absolutely terrible. I enrolled two of my dogs and they did have new illnesses within a year of the date of enrollment and Prudent Pet denied all claims for pre-existing condition when there was no pre-existing condition. The worst you can expect from an insurance company. Do not waste your money.

Insurer: Prudent Pet

By: Mel Day

Verified December 11, 2025

Great prices, excellent experience

The website and app are easy to use and provide detailed coverage information. Usually, that's hard to find, but Nationwide made it extremely accessible. I also found the price was quite reasonable, and the customized plan option allowed me to take out and add what I thought best suited my needs.

Insurer: Nationwide

By: customer

December 11, 2025

Reliable, great customer service!

I could not be more pleased with Pets Best. Daisy has epilepsy and that is so costly and exhausting. Without Pets Best, we could never have made it this far! Great customer service, fair rates and quick claim turn around 98% of the time.

Useful
December 11, 2025

Avoid this insurance company

Their policy is misleading. My dog was diagnosed with dysplasia and booked for surgery. I only managed to get a surgery date 4 DAYS after my annual policy with them renewed and they denied my 5000$ claim, due to " pre existing conditions" - basically upon each policy renewal they treat is us a new policy and whatever claim you put through before renewal is considered " pre existing condition after the renewal. I should have read it before and this is how they get you. Go through different providers. PHI is rubbish.

Insurer: PHI Direct

By: Kasia

Useful
Latest 1 comments
Posted: | By: ALMIRA

If you value your money and time just find another company these guys are scammers. They said pre-existing condition to diaherrea my pet had how can a sudden stomach and gut problem could be a preexisting condition? Basically stay away from this scammers!

Verified December 11, 2025

Healthy Paws : Peace of Mind

Healthy Paws helped in my decision making when dealing with my 5 year old chihuahua’s urgent breathing issues…. I have had Healthy Paws since getting my fur baby and they have been extremely efficient and compassionate when submitting claims for the unexpected emergencies that have come about… Their website is easy to submit claims to and they usually get back to me in one day. Healthy Paws : professional , supportive and affordable!

Insurer: Healthy Paws

By: Janice Khedari

Verified December 11, 2025

Thankful for SPOT's communication, professionalism, and fast resolution of my claims!

Although it seemed like I spent a long time submitting my first two claims, it was worth the time and effort! One phone call and all my questions were answered, great customer service! Within two days, the claims were in the "Processing Phase". In one week, my claims were completed, and the money was transferred via an ACH transaction into my bank account! Thankful for SPOT's communication, professionalism, and fast resolution of my claims!

Insurer: Spot

By: New Samuel's Customer!

Verified December 11, 2025

Thank you for paying Tiger's claim so…

Thank you for paying Tiger's claim so promptly, much appreciated. Lisa

Insurer: Fetch

By: Lisa

Verified December 11, 2025

Support during a time of need

Our beloved cat Tai suffers from worsening symptoms due to his chronic kidney disease developed at a young age. There have been numerous urgent care visits, frequent hospital checkups, and a constantly growing list of medications that together pose a great deal of financial burden. Healthy Paws has been instrumental to making this journey sustainable. We are extremely grateful for the help and would recommend any pet owners to Healthy Paws.

Insurer: Healthy Paws

By: Kevin Chen

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