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


October 28, 2025

Great experience so far

I've had Spot for less than a year and already had to submit 2 claims. I've had a great experience with Spot. The agent who signed me up was very nice and knowledgeable, and the customer service representatives I've spoken to have also been incredibly helpful. The process is fast and easy. I was worried that I would face issues (like all interactions with health insurance) but I was wrong! Spot even covered more than I thought they would. My only recommendation is to make sure you read AND UNDERSTAND your policy. Know what is covered, what is not covered, and when you will get reimbursed.

Insurer: Spot

By: Molly Maurer

October 28, 2025

We have a lot of claims already…

We have a lot of claims already submitted, but we only received 2 payments from them yet. I dont know if this company is recommendable.

Insurer: Embrace

By: Dalia King Official

Verified October 28, 2025

Peace of mind

Fast and hassle free claim processing and no disputes about anything that is covered in our policy. It’s given us peace of mind, especially after our dog was diagnosed with what is a chronic condition.

Insurer: Healthy Paws

By: Gwen Seeley-Joosse

Verified October 28, 2025

Good experience

Once I submit all the required papers I have never waited more than two or three weeks. Last time I waited one week only to get my reimbursement.

Insurer: MetLife

By: Ana Orantes

Verified October 28, 2025

It takes too long to apprve clams

It takes too long to apprve clams

Insurer: MetLife

By: customer

October 28, 2025

It is a reall seamless process to…

It is a reall seamless process to submit claims and rapid turnaround time for reimbursement (<1 week). Excellent service highly recommend!

Insurer: Embrace

By: Heather Hume

Verified October 28, 2025

super simple and quick

Once I got the system down and was able to get the documents from the vet emailed as PDF's to me, the filing was super simple. The pay off came in short order--just a few days, deposited to my bank account. Extremely simple.

Insurer: MetLife

By: Judy Gorham

Verified October 28, 2025

4 stars

Customer service is excellent. The app is easy to use. BUT it takes a couple weeks for claims to be settled and paid out :(

Insurer: MetLife

By: Tara Layne Girvin

Verified October 28, 2025

Keeping our family member alive

Our dog wouldn't be alive without Healthy Paws! He has a chronic mast cell condition and we love that Healthy Paws covers most of his treatments. The premiums do up substantially every year-but in our case, it continues to be worth it to continue our beloved family member's life. Submitting claims is super easy and they approve and get the money back to you pretty quickly! Thank you Healthy Paws~

Insurer: Healthy Paws

By: Heather F

October 27, 2025

Excellent Coverage and Friendly Service

I am very happy with the level of cover and how easy it is to manage everything online. When my dog needed treatment, Embrace helped without any hassle. The staff always respond with kindness and understanding. Truly a company that stands by its promises.

Insurer: Embrace

By: Dawson Gilmore

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