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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Not user friendly
It was very easy to sign but not to file a claim. I purchased the Wellness package so I waited to have a few receipts before I filed. I had to file each one separately even though they were from the SAME vendor. They say supplement or vitamins are covered but I think Wrap a Pill should be covered because he wouldn't take any pill without it. They disagreed. I will say they told me 10-15 business days & clms were processed or denied the next day. We will see how long it takes to get the checks. That is wasteful to cut me individual checks. I feel the entire process is NOT user-friendly. I wanted to give 3.5 stars but that wouldn't work.
Insurer: Embrace
By: Corinne
Smooth experience & Helpful Advisor
Great pricing that’s actually affordable, very inclusive coverage, and my advisor Justin Worthington, was incredibly helpful throughout the process. Highly recommend!
Insurer: Fetch Canada
By: Courtney Adomaitis
Great pet insurance !
We have enjoyed working with Spot Insurance. They make the application process easy to apply and understand. They quickly assess claims and refund their percentage of reimbursement. We have been very pleased!
Insurer: Spot
By: Bonnie West
Had coverage with a previous cat and…
Had coverage with a previous cat and was always treated well and payment was never an issue
Insurer: MetLife
By: Brenda Rodocker
Easy way to file a claim
Easy way to file a claim
Insurer: Fetch
By: John L
Fast and Efficient Service
Pet Best quickly responds to my submission of a claim and after review sends a check within a weeks time or explains those that are not covered. Excellent service.
Insurer: Pets Best
By: Laraine
Absolutely furious with Embrace Pet…
Absolutely furious with Embrace Pet Insurance. I paid my premiums faithfully, thinking I was protecting my dog in case something serious happened. The moment I actually needed them for mouth surgery, they found a cracked tooth and suddenly decided that anything related to the mouth wouldn’t be covered. So let me get this straight — one cracked tooth means they can deny coverage for the entire mouth? That feels less like insurance and more like a loophole-hunting operation. This was never made clear when I signed up. If your plan basically excludes major dental work the second they find any issue, that should be front and center — not buried somewhere in fine print that only becomes relevant after you submit a claim. Insurance is supposed to be there when things go wrong. Instead, I was left with a huge bill and a company that seemed more focused on denying coverage than helping a paying customer. If you’re considering Embrace, be prepared for them to look for any technicality to avoid paying. I feel completely misled and will be reconsidering giving them another dollar.
Insurer: Embrace
By: cody schuelke
The service and claim was super fast…
The service and claim was super fast and accurate.
Insurer: MetLife
By: Jennifer Carr
Great service and professionalism
Great service and professionalism. I submitted my cat Orbit's bill from the emergency vet office and they processed it quickly. I did not expect this to happen to my cat and the expense was a surprise but having this insurance has been such a blessing.
Insurer: Spot
By: Michael Robertson
Every time I have needed to use my…
Every time I have needed to use my pet's insurance with Trupanion it has been incredibly easy and I appreciate the quick responses. It is always stressful when dealing with a sick pet, having a company care and be so helpful lessens the stress.
Insurer: Trupanion
By: Kristen