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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Ease of filing a claim and speed of…
Ease of filing a claim and speed of processing the claim.
Insurer: Pumpkin
By: Michael Biggs
works as advertised
Easy to file a claim; fast and efficient response
Insurer: MetLife
By: customer
So worth it!
I was very lucky to have three wonderful dogs in my adult life, from 2005 to 2024. I did not have pet insurance for any of those dogs, and as each one got older, caring for them became significantly more expensive. When my last senior pup passed in fall of 2024 I didn't know if I could bear having and losing a pet again. After a few months without a dog, I saw one at a rescue and I knew I was going to do it one more time. The difference? This time I immediately purchased pet insurance for my two year-old rescue. After about a year of paying premiums, I learned how important it is to have. My dog started throwing up and refusing food and water for over 24 hours. I couldn't get her in to see her regular vet for another 24 to 48 hours, so I took her to a familiar Emergency vet for urgent care. My total bill was $1800 for x-rays, fluids, overnight stay, etc. Today I received a check for just over $1000 from Pets Best. Yes, it was still an expensive vet visit, but getting over half of it back is huge. The small monthly investment is very much worth it to not get hit with a cripplingly large vet bill all at once. As my dog ages, I know I will have benefited greatly in the long run. Thank you, Pets Best!
Insurer: Pets Best
By: Fran
Great Service and Easy Claim Processing
My last few claims have been handled quickly and efficiently. It's easy to use the app to file claims and upload docs or photos needed. In the past when I needed to call customer support, my questions were answered and the problem solved quickly. I am so glad we have this insurance for our pups!
Insurer: MetLife
By: Pam Swanstrom
Wellness visit
I have an 16 month old mini Schnauzer named Sadie. I have never had pet insurance before so when I got her I decided to get it. I am so glad I did. The peace of mind and ease of the claim process is so easy I am thankful I got it. The claims process is easy and fast. I would recommend this to anyone thinking of getting pet insurance.
It was very simple to submit a claim
It was very simple to submit a claim. Within days I got an approval and a check on the way.
Insurer: Fetch
By: Suzanne
Don't believe the 2-4 day reimbursement website claims
My puppy had to be hospitalized for an unknown illness. Spent an entire week and thousands of dollars, with the peace of mind that I had coverage from Spot and I'd be reimbursed within 2-4 days, according to their website. Cut to 4 weeks later, and they can't tell me what's missing, what the status is, or if I'll ever see the $6,000+ dollar reimbursement one page of my account says I've already been reimbursed (spoiler alert: I haven't received any of that, at all). I've reached out to them multiple times for clarification, but they don't seem interested in actually solving the problems, just in ushering folks off the line. Thankfully, my puppy is ok, but I can help but think about if it hadn't turned out well, if I'd be fighting with them to get them to honor the coverage I pay for, while also grieving the loss of a pet. Can't in good conscience recommend this. Buyer beware.
Insurer: Spot
By: Erin
I just got hit with a 264% increase from Embrace
I just got hit with a 264% increase from Embrace!!! I have had Embrace for my Bolognese since he was a puppy, since 2011. He is now over 15 and is still pretty healthy. The premium had been increasing as he got older, last year it was $2,260. They just sent me a renewal invoice for $8,230!!! I submitted a single claim in 2015, and was reimbursed $223. At the same time, they have not raised the maximum annual reimbursement from $10,000. Why on earth would I pay over $8,000 to be reimbursed up to $10,000, when I may not even spend $8,000 in a year?!?! This is criminal. They should have just said they aren't renewing. Waste of time. We are CA residents. I would be happy to join a lawsuit. Response to Embrace's response - why bother to write this. Increases in vet bills do not justify a three-fold increase in premiums, especially when there have been no claims in over a decade.
Insurer: Embrace
By: Elyse Eisenberg
Having a tiny dog [3lbs] go into ER…
Having a tiny dog [3lbs] go into ER hospital for 3 days was beyond stressful and knowing that I could get an estimate approved for her care allowed me to focus on her and not worrying about how exactly I would have to pay for a condition that if left untreated would have been fatal. Pumpkin was prompt and my little honey is now back home and in active recovery.
Insurer: Pumpkin
By: Attalie
Easy Claim Submittal
The simplicity of submitting the claims.
Insurer: MetLife
By: Tammy