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.

59,035 total


November 03, 2025

Reimbursements take a while

Reimbursements take a while. Good for accidents and illness but not on wellness. The wellness package is basic and very, very low that it only accommodate a small fraction of the actual costs. Better off just save up for the annual exam.

Insurer: Pets Best

By: Karen Kho

Verified November 03, 2025

Healthy Paws with CHUBB is solid support in getting our dog the care they needed.

Healthy Paws with CHUBB has been amazing! They helped make our nightmare experience when my dog and I were attacked much easier to deal with. It was allowing us to keep our focus on getting the care our dog needed over the course of several days and two surgeries and not focus on how we would be able to pay for the necessary surgical and follow up visits. They were there for us when we most needed them.

Insurer: Healthy Paws

By: Reah S

Verified November 03, 2025

Submitting my claim was easy and…

Submitting my claim was easy and Metlife paid me promptly

Insurer: MetLife

By: Sandra Mejias

Verified November 02, 2025

It’s so easy to fill out a claim and…

It’s so easy to fill out a claim and they are super responsive

Insurer: Spot

By: Deborah

November 02, 2025

My dog needed surgery for a luxating…

My dog needed surgery for a luxating patella. The claims were very easy to file online and I received reimbursement within a week. The surgery costs with preop appointments was close to $4000, so I was very grateful to have the coverage. The only complaint I have is about the increase of premiums after the first year. The coverage was well worth it though

Insurer: Embrace

By: Laura Withrow

November 02, 2025

Premature request for review

You prompted me to write a review about submitting a claim. Yes, the apparent submission seemed simple enough. As you have not approved it, nor have I received reimbursement yet, it seems quite oddly premature. Edit: I now see this review is tagged as an “unprompted review” which is clearly a lie.

Insurer: Embrace

By: Jeannot Quête

Verified November 02, 2025

Ease of filing claim

Ease of filing claim

Insurer: MetLife

By: customer Anne B

Verified November 02, 2025

On my first experience with a claim

On my first experience with a claim, MetLife Pet processed it just like they said they would without a hitch. Very smooth couldn’t be happier.

Insurer: MetLife

By: Dave

November 02, 2025

Claim submission through the app…

Claim submission through the app doesn’t work on purpose to make the process harder

Insurer: Embrace

By: Ksenia

Verified November 02, 2025

Super easy claim process

Super easy claim process; Claim processing time is fast!

Insurer: Spot

By: Dana T.

Compare top pet insurance providers plans.