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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Quick claim review/easy process
Quick claim review/easy process
Insurer: Spot
By: Jennifer Mimoso
Claim experience is simple and quick!
Claim experience is simple and quick!
Insurer: MetLife
By: customer
Wow! Excellent insurance! Highly recommend!
I’ve had Healthy Paws Pet Insurance for several years after switching from another company whose prices got way too high. Thankfully, I never had to make a claim until now. My dog had 2 emergency GI events occur with a week of each other. And EVERYTHING that should have been covered was. And it was done so simply and quickly. I’m very grateful and thankful to Healthy Paws for allowing me to totally focus on my dog’s health and not the finances of it all.
Insurer: Healthy Paws
By: Beth
Feeling Scammed by Embrace‘s Crooked Wellness Policy
If I could give negative stars, I would. After a simple miscommunication between my husband and me, we realized that neither of us had submitted the receipt for our pet’s tick and flea prevention — something covered under our wellness plan. We pay $225 (split over 12 months) for $250 in annual wellness coverage. Unfortunately, Embrace requires all wellness claims to be submitted within 60 days of the policy renewal date. Because we discovered the mistake after that deadline, Embrace refused reimbursement and kept the $225 we paid. This policy feels intentionally deceptive — a crooked setup designed to profit from policyholders’ honest mistakes. It’s an unreasonable, customer-unfriendly practice that punishes loyalty instead of rewarding it. My advice: stay far away from the Embrace wellness plan. The tiny $25 “benefit” isn’t worth the risk of dealing with such rigid, unforgiving policies built to take advantage of policyholders.
Insurer: Embrace
By: Eryn
Pumpkin pet insurance is the best…
Pumpkin pet insurance is the best around. Claims are easy to file and reimbursements are quickly given. Our 2 year old dauschaund unexpectedly passed away and they were very kind and caring. Not only did they cancel my plan and reimbursement me timely but also sent a nice gift in memory of my fur baby 🐾
Insurer: Pumpkin
By: Jenny Rosengrant
Wonderful expedient experience and reimbursement
I’ve had embrace pet insurance for many years now and my 10 year seven month old golden Shepherd was diagnosed with congestive heart failure an arrhythmia. Embrace has been wonderful about reimbursing me for all the medicines and Cardiology appointments.
Insurer: Embrace
By: Loretta Lighthart
Downgrading policies - BOOO
While I expect premiums to increase as our pets age, I did NOT expect HP to unilaterally change the fundamentals of our policy. When our pets were young, we chose 90% coverage w/ $100 deductible - which was a great decision in retrospect as some of our pets have developed chronic conditions that HP has historically paid without issue. Our annual renewal just came in however, and HP have unilaterally decided to change our coverage to 70% w/ $500 deductible, stating they no longer offer the previous coverage - despite the statement on their page "Coverage with your Healthy Paws plan is continuous unless canceled. The Healthy Paws plan will not drop your pet or decrease coverage due to age or claims". Now that we have pre-existing conditions, changing providers is not a realistic option - so we're stuck with however HP decides to downgrade their coverage. I'd highly recommend looking elsewhere!
Insurer: Healthy Paws
By: KarmIT
I received the reimbursement that I…
I received the reimbursement that I expected. I just forwarded the invoices on to MetLife and they took care of me within a week or so.
Insurer: MetLife
By: Chris R