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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Love how quick you got back to me on…
Love how quick you got back to me on the claim I submitted. There was a problem with not getting reimbursed for the yearly exam. I contacted Spot and after review the exam was covered.
Insurer: Spot
By: Sonja Paul
Extremely easy to submit claims
Extremely easy to submit claims. Reasonable turnaround from Metlife’s claims department for payment.
Insurer: MetLife
By: Michael Gonzalez
Easy to submit the claims and…
Easy to submit the claims and processing time was quick
Insurer: MetLife
By: Ed Miller
Terrible Experience
Just like every insurance company, claims don’t cover items and pay you little to nothing just like Pets Best! Just a waste of money monthly and will never use them again.
Insurer: Pets Best
By: Brad
They paid my claims timely
They paid my claims timely. Very happy with their service.
Insurer: Spot
By: customer
Super easy to file a claim and great…
Super easy to file a claim and great turn around time to get reimbursed!
Insurer: Spot
By: Jessica Wilson
Great Experience!!
Such an easy process!! Comprehensive coverage!
Insurer: MetLife
By: K.Monaco
Quick Response
Embrace has a very quick response time. My claim was viewed within 24 hours. The app on my phone made it very convenient and easy to complete. The information they give is easily understood.
Insurer: Embrace
By: Juli-Anne Nush
Avoid this company — they will drop your senior dog when you need them most.
I was an Embrace customer for over 13 years and used to recommend them to everyone. Sadly, I can’t say that anymore. This year, they raised the premium on my 15-year-old chihuahua from about $2,000 to over $10,000 annually — even with the multi-pet discount. The plan only pays out a maximum of $10,000 per year, so the new price makes the coverage essentially worthless. They’re pushing us off the policy without technically cancelling us. My dog has been insured with Embrace since he was 3 and had more than a decade of healthy years with almost no issues. Now that he’s developed two conditions that count as pre-existing, no other insurer will cover him in any meaningful way. After more than a decade of loyalty, we’re left uninsured when he needs help the most. When I called Embrace for an explanation, all I got was a canned response about “state-approved rates” and rising veterinary costs. Yes, vet care has gone up — but nothing justifies a five-fold increase in one year. Because of this experience, I’ll also be removing my younger dog from Embrace. A company that treats long-term customers this way does not deserve our trust.
Insurer: Embrace
By: Sara Tenenbein