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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ASPCA-NOT GOOD PET INSURANCE
my dog got this pet insurance becuase my daughter has it and never had a issue from acl surgery to accidents. my dog tore her acl sometime in november 2025 and we noticed no pressure on the leg. the claim was denied because may 2025 we took the dog in for as docotr noted sore muscle. Doctor wrote a letter for a appeal telling them this is not pre-existing. Still denied. i called and was told not matter what goes on with that leg it will always be denied.
Insurer: ASPCA
By: John Triplett
Easy to use app and easy to file…
Easy to use app and easy to file claims. I like how easy it is to see what your deductible is right in the app
Insurer: MetLife
By: customer
Worth every penny
Great value to protect my furry little buddy. Outstanding coverage. Thank you!
Insurer: MetLife
By: customer
I have been a previous Nationwide…
I have been a previous Nationwide client with a former pet and wanted to have my new cat covered by Nationwide, as well. Shelly was the Customer Service Representative I spoke with today. She was very helpful and knowledgeable! She explained the coverage and cost as well as made me feel very confident that Nationwide will be a great choice for my new pet’s insurance needs.
Insurer: Nationwide
By: customer Hedi Westling
Friendly customer service
Friendly customer service, easy to find claims. Website easy to use.
Insurer: Pumpkin
By: Anita
Website is very easy to navigate and…
Website is very easy to navigate and turn around time is excellent on reimbursement after deductable is met!
Insurer: MetLife
By: William Crawford
Orthopedic Report
I'd never recommend Embrace to anybody at this point. Signed up to cover my dog in January and had the vet fill out the orthopedic report. Even though the vet specifically didn't check any condition and said he was perfectly healthy, the rate adjustor assigned to me added a pre-existing condition to my coverage. After contacting the appeals team and having my vet once again confirm no pre-existing conditions for my dog, my appeal was denied. Promptly cancelled my coverage. If this is how they treat you at the beginning of a plan, I'd rather pay more somewhere else.
Insurer: Embrace
By: Michael
Customer service was terrific very supportiove and patient.
Customer service was terrific in helping me with a claim. Claim website not a good experience. Difficulty adding needed documentation. Notes receved from claim department were inaccurate. The note said needed documents when the documents had been received and acknowledged.
Insurer: Fetch
By: Dennis
Submitting expenses is always very…
Submitting expenses is always very simple and payment comes quickly.
Insurer: MetLife
By: customer
It is easy to apply for reimbursement…
It is easy to apply for reimbursement and the wait for the payment is fast. Thank you Spot! You’re a great help!
Insurer: Spot
By: Vilma Nangca