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 disappointed that I mislead…
I was very disappointed that I was mislead on my coverage when I signed up, the insurance is only for accidents and illnesses. It doesn’t cover wellness visit, vaccines or teeth cleaning. I had a hard time understanding the representative to go over my policy. I wouldn’t recommend them to a friend.
Insurer: Embrace
By: Marsha Stayer
Great customer service and Coverage.
Great customer service. Fast claim service. Very clear guidelines. Coverage is outstanding.
Insurer: Trupanion
By: Wilda Brough
Took my dog to his vet on Jan
Took my dog to his vet on Jan. 28, 2026. Still waiting for the settlement of my claim.
Insurer: Embrace
By: Pasquale Turchi
Hassle free
Our pup injured his du-claw and we brought him to our vet for an evaluation. The Dr immediately determined that he would need surgery. They took care of everything through Trupanion. It was easy and hassle free. Pup did great and his injury was covered and he has fully healed.
Insurer: Trupanion
By: Cindy
Every time I submit an invoice for…
Every time I submit an invoice for reimbursement, I have to call because they don't honor the terms of the policy. It's only after several attempts and hours of my time do they reimburse the amount that is rightfully owed.
Insurer: MetLife
By: George Apodaca
I recently had to make a claim
I recently had to make a claim. I was dreading it but in reality the process was very simple. Send in the veterinary bills and within one week the money was in my bank account! Would definitely recommend SPOT.
Insurer: Spot
By: Livia
Very reasonable and easy
SPOT is always very reasonable when it comes to reimbursement for pet illness/accident/injury. Claims are easy to be made and you get an answer back about it not long after.
Insurer: Spot
By: STEPHANIE A
Easily made claim and fast processing
Easily made claim and fast processing
Insurer: Spot
By: Andrea Woods
Like large medical business they will deny your claims...
The first product or service I've purchased through Costco that I regretted. I'll be contacting Costco to let them know what a disappointment it is to be associated with this company. My claim was denied because of a "pre-existing" condition that I wasn't aware of. After years of paying for pet insurance, the first time I actually needed coverage it was denied. These companies are happy when you're paying your premiums but turn their backs on you when it's time for money to be paid back. The one time I actually tried to use this insurance they failed me. Avoid at all costs.
Insurer: Figo
By: DeniedPetOwner