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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Easy to deal with and fast in filling…
Easy to deal with and fast in filling claims!
Insurer: MetLife
By: customer Sue
Excellent coverage plan
Excellent coverage plan. Submitting a claim is super easy and reimbursements are transferred to my account in a timely manner. I recommend Met Life pet insurance to everyone.
Insurer: MetLife
By: KS
Our Pet Cory's Trip To The Emergency Room
"We had to take our pet Cory who is 8 years 1/2 years old now into the ER in Annapolis on 10/1/25 cause he was not eating but throwing up numerous times. He was given fluids, anti-nauseous medicine & the Vet took x-rays to make sure he didn't ingest any foreign object. He has a history of pancreatitus and we just wanted to make sure that it wasn't coming back. The staff & doctors were great to work with, they kept us in the loop as much as they could and explained everything to us before we were allowed to bring Cory home later that evening. PetsBest approved our claim and reimbursed us for everything except the rest of our deductible and co-pay. They are a great Pet Insurance Program and I would highly recommend them."
Spot has always been great to work…
Spot has always been great to work with. We have never had a problem being reimbursed for covered expenses.
Insurer: Spot
By: Kathleen Mulhern
Quick return on all claims.
Quick return on all claims.
Insurer: MetLife
By: PAULETTE BOBERSKY
Peace of mind
Our dog had to have a serious and complex surgery. Healthy paws reimbursed us within a week. This really helped to alleviate some of our stress during a very difficult time. It is so hard and sad to see her injured but we are glad that we can give her the care she needs.
Insurer: Healthy Paws
By: RR
I have always received excellent…
I have always received excellent customer service when inquiring about a claim but, in a few instances, received the expense sooner than expected. Embrace is No. 1 for me. Thank you for your excellence!!!
Insurer: Embrace
By: Barbara A. Offer
Easy to file claims
Easy to file claims. Reimbursement is fast. Anytime I have called in I was always treated with kindness.
Insurer: MetLife
By: Laboy
Embrace Pet Insurance is a Scam
Embrace Pet Insurance is a Scam - Beware of Their False Denials and Deceptive Practices I am beyond frustrated and furious with Embrace Pet Insurance, which I now consider nothing more than a scam. My pet's breed is highly susceptible to anal gland issues, which causes severe discomfort. When their anal glands become full, my pet starts licking and scooting, clearly in distress. This is not some “preventative” or “wellness” issue - it is a medical necessity. The vet's note was crystal clear: the glands needed to be extracted due to them being full, not because of some routine checkup. However, when I submitted the claim for this required treatment, Embrace had the audacity to deny reimbursement and categorize it under their “wellness” plan, which they claim isn’t covered. This is NOT a wellness issue - this is a treatment for an ongoing medical condition that my pet needs to have addressed for their comfort and health. This is straight-up stealing. They have no problem taking your premiums, but when it comes time to provide the coverage they’re supposed to, they find ways to wrongfully deny claims and push you into paying out of pocket for something that is not your fault. The fact that they classified an emergency medical procedure as preventative care is unethical and deceitful. I would highly recommend avoiding Embrace Pet Insurance if you care about your pet's health and want to be treated fairly. They’ll gladly take your money, but when your pet needs care, they'll find ways to deny it. It's a scam - pure and simple. Stay away and find a more honest company that actually stands behind their coverage. And now they will follow up with an illogical response to this review, consisting of an incorrect reasoning by fraud scammers who want to steal people’s money. Wellness plan is for preventative care ONLY. In my pet’s case, her anal glands were ALREADY full as per the doctor’s notes. Hence, the treatment should have been covered by her existing plan and NOT WELLNESS PLAN. This is what the insurance policy providers have been doing to deny eligible claims and STEAL PEOPLE’S MONEY- just providing illogical and baseless reasoning and not addressing the real issue. Hence strict action should be taken against them, their ridiculous response and unwarranted justifications should be FLAGGED, and people should be made aware of their unlawful practices.
Insurer: Embrace
By: Soumi Biswas
Embrace Pet Insurance is a Scam
Embrace Pet Insurance is a Scam - Beware of Their False Denials and Deceptive Practices I am beyond frustrated and furious with Embrace Pet Insurance, which I now consider nothing more than a scam. My pet's breed is highly susceptible to anal gland issues, which causes severe discomfort. When their anal glands become full, my pet starts licking and scooting, clearly in distress. This is not some “preventative” or “wellness” issue - it is a medical necessity. The vet's note was crystal clear: the glands needed to be extracted due to them being full, not because of some routine checkup. However, when I submitted the claim for this required treatment, Embrace had the audacity to deny reimbursement and categorize it under their “wellness” plan, which they claim isn’t covered. This is NOT a wellness issue - this is a treatment for an ongoing medical condition that my pet needs to have addressed for their comfort and health. This is straight-up stealing. They have no problem taking your premiums, but when it comes time to provide the coverage they’re supposed to, they find ways to wrongfully deny claims and push you into paying out of pocket for something that is not your fault. The fact that they classified an emergency medical procedure as preventative care is unethical and deceitful. I would highly recommend avoiding Embrace Pet Insurance if you care about your pet's health and want to be treated fairly. They’ll gladly take your money, but when your pet needs care, they'll find ways to deny it. It's a scam - pure and simple. Stay away and find a more honest company that actually stands behind their coverage. And now they will follow up with an illogical response to this review, consisting of an incorrect reasoning by fraud scammers who want to steal people’s money. Wellness plan is for preventative care ONLY. In my pet’s case, her anal glands were ALREADY full as per the doctor’s notes. Hence, the treatment should have been covered by her existing plan and NOT WELLNESS PLAN. This is what the insurance policy providers have been doing to deny eligible claims and STEAL PEOPLE’S MONEY- just providing illogical and baseless reasoning and not addressing the real issue. Hence strict action should be taken against them, their ridiculous response and unwarranted justifications should be FLAGGED, and people should be made aware of their unlawful practices.
Insurer: Embrace
By: Soumi Biswas