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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Kelce's Pet Insurance - Spot
Spot was very efficient and Customer Service took the time to explain everything about my coverage. I had lost my boxer to cancer. I got another boxer puppy and got the pet insurance right away and found Spot to be the best. Sadly, my puppy was diagnosed with kidney disease right after I had bought her from a breeder. Very sad. So far things have been going well. I just keep praying. I haven't had to use her pet insurance much at all. But I did not know her prescription food was covered by her insurance. That was a nice surprise!! I sent her receipts in and within a week my claim was processed!
Insurer: Spot
By: Barbara DeStefano
Look elsewhere for good pet indurance.
Embrace pet insurance will seek any possible reason to deny the service requested for your pet. I have had my veterinarians, behaviorists, and specialists communicate with them without any success. Are you interested in understanding the difference between a pre-existing condition and a congenital disorder? It may not be relevant, as they classify a congenital disorder as pre-existing if it was present before you submitted a claim. This reasoning is illogical because if the pet was born with it, they had it prior to the claim. If that justification is insufficient, they will argue that it fell within the waiting period. Once again, they were born with it. I am extremely dissatisfied with this insurance. I recommend that you explore other policies before selecting this one. 3/13/26 I have yet to hear from Embrace to discuss any concerns as mentioned in their letter.
Insurer: Embrace
By: Carol Moyer
Thank you!
I really appreciate the promptness of the claim reviews and payments. After this last ER visit and hospitalization, we were so worried about our dog and knowing Healthy Paws had our back took some of the stress off. Thank you!
Insurer: Healthy Paws
By: Jennifer
So easy and quick
Filing claims with Fetch is super easy and service is great. You get a reply super quick too and I love that you can get direct deposit for any reimbursements.
Insurer: Fetch
By: Sheryl
Easy billing and quick reimbursement
Easy billing and quick reimbursement! Best decision we have made regarding our pet. We have Banfield Wellness plan for maintenance, and Spot Pet Insurance for sick/accident visits. It works like a gem. Wish we had done this earlier in our lives for our other pets.
Insurer: Spot
By: Lizzie Mohr
Fiona's heart
Our 13 year old Yorkie developed a scary heart condition. We had to take her to an emergency vet on the weekend because she could barely breathe. She spent 2 days in an oxygen cage and needed several new medications to stabilize. If we didn't have PetsBest insurance, we could not have provided this level of care. We would have lost our girl. That was 2 months ago and she is doing great. It is simple to file a claim and the money we got back helped so much...thank you!"
Insurer: Pets Best
Veterinarian: Lyndhurst Animal Clinic, A Thrive Pet Healthcare Partner
By: Jackie
Don't believe what you read
Don't believe what you read. They deny claims for false reasons. They are rude. They get afraid when you tell them you will record the call. They are looking for any reason to deny part or all of your claim. When you google them you will see the numerous lawsuits they have and complaints. Do yourself a favor and put the money aside and not to these people.
Insurer: Trupanion Canada
By: DAVID LEVIN
Peace of Mind for Daisy & Stella
"Pets Best has been an incredible partner in caring for our dogs, Daisy and Stella. They have paid multiple claims quickly and smoothly, which has given us tremendous peace of mind. Because we know Pets Best has our back, we never have to make difficult decisions about medical procedures based on cost alone — we can focus entirely on what's best for our girls. That confidence and support means everything to our family, and I am always happy to refer Pets Best to other pet parents without hesitation."
Quick/easy submission and reimbursement!
Everything that I had hoped to be covered was covered and we were reimbursed very quickly.
Insurer: Healthy Paws
By: MI
Great
The agents are always knowledgeable, professional and friendly. I can get the coverage I need for my fur baby. I was able to get the right insurance very quickly by phone. I like how the payment is very secure in this crazy world. This company was there for our beautiful boxer boy for the short 7 and 1/2 years we were Blessed to love and care for him so now we now have our mini Golden Doodle covered.
Insurer: Nationwide
By: Cornelia