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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Filing a claim is super fast and easy
Customer service representatives have always been extremely helpful since the very beginning when they assisted me in selecting the best plan for our 2 dogs. Recently our 10yo had TPLO surgery and is currently receiving rehab. The process to submit a claim takes less than 5 minutes and the claims are reviewed, accepted and paid in a timely manner. No issues with the claims, all have been paid as outlined in our policy.
Insurer: Figo
By: Becky Kinnander
Great Insurance coverage
Great Insurance coverage, easy process of my application. Thank you
Insurer: MetLife
By: Judy Rosario
Amazingly easy and quick process.
Amazingly easy and quick process.
Insurer: Spot
By: MW
I am glad I have Spot pet insurance
I am glad I have Spot pet insurance. When I submitted a claim they handled it quick and efficiently no questions asked.
Insurer: Spot
By: Kevin Kreiser
Research other insurances first
After further research, I find that there are better pet insurance policies available other than Pests Best. I spend $68/ month and it takes over a month to even hear anything back regarding any claims let alone what is covered for reimbursement and not. And their interface system is out of date, taking up so much time to simply login.
Insurer: Pets Best
By: Sanora Sims
I submitted a claim for Lexie's 2 year…
I submitted a claim for Lexie's 2 year checkup. The claim was processed the same day and I then I received my check shortly after. I've never had to wait to speak with a representative and they have always been knowledgeable. Very refreshing!!
Insurer: Pumpkin
By: Cindy
Every time I try and put in a claim…
Every time I try and put in a claim there is an issue. They have to go back and check records form different vets to determine if the claim is worthy of fulfilling. My primary vet is 50 miles away and was closed when my 2 year old Westies stepped on something in the yard and began limping. Went to emergency vet and was taken care, submitted the invoice and the have to go back 3 years and around the world to satisfy this claim after 11 days.
Insurer: Embrace
By: mike
4 out of 5
Normally I would put this all the way up to five, but recently there's been some sort of technical issue with their website. A month ago I have been unable to login to my account from a computer browser. Doesn't seem to matter if it's chrome, Firefox, or edge. I put in username and password and it goes to 403 Forbidden error, due to Microsoft Azure App Gateway. This naturally makes it hard to submit claims, etc. I had to download their app to get access to my account. I prefer the web browser as it allows easier access to vet bills to be added for claims. This is a recent issue, 2026, but this is going on six weeks now where have to rely on their app to access my account. Claims, support is all top notch otherwise. Highly recommend, but really need to get the online portal functioning.
Insurer: Pets Best
By: Craig Taylor
They always find an excuse not to pay
They always find an excuse not to pay. It’s not covered or it’s before policy period which isn’t true it happened during police period it was not a. Existing condition it just happened
Insurer: Pets Best
By: Lisa Leyvas
Great Pet Insurance highly recommend
Easy processes. Fast processing of claims.
Insurer: MetLife
By: C baron