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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I have not had any issues so far with…
I have not had any issues so far with the claims process. It has been easy and straightforward, I think since I have been set up since 2019. It has gotten a bit more expensive since I first started but overall I am happy with my experience.
Insurer: Healthy Paws
By: Mackenzie Keen
0 star
If you’re thinking about choosing Embrace for your pet insurance, I would strongly recommend looking at other options first. I paid a high monthly premium expecting support when my dog needed medical care the most. When my dog was diagnosed with pneumonia, Embrace classified it as a pre-existing condition and denied my claim. After months of paying for insurance, I received no reimbursement for my dog’s treatment. What makes this even more disappointing is that my dog has now passed away, and instead of receiving the support I expected during such a difficult time, I’ve been dealing with the added stress of denied claims and ongoing reimbursement issues while grieving the loss of my beloved pet. Pet insurance is supposed to provide peace of mind during emergencies, but my experience has been the opposite. Paying high premiums only to have claims denied when they matter most has been incredibly frustrating and heartbreaking. Based on my experience, I cannot recommend Embrace.
Insurer: Embrace
By: Maria Jessica
Quick turn around for reimbursement
Quick turn around for reimbursement. EoB clearly explains what is and isn’t covered based on your chosen policy. Rates increase every year, sometimes with increased deductibles. I wish there was a price lock.
Insurer: Healthy Paws
By: Janice
Quick process with proper reimbursement.
Quick process with proper reimbursement.
Insurer: ASPCA
By: Nicole Harmon
Waiting period and "pre-existing condition" nonsense
Had a terrible experience regarding my very first claim for my 9 year old female lab. She started limping-caused by either a dog park injury or onset of arthritis. Prudent Pet denied the claim, saying it was still the waiting period (it wasn't- waiting period ended 2 days before the injury/illness). When I appealed, it changed its rationale for the rejection-now said it was a "pre-existing" condition because my vet had recommended starting joint supplements as a preventative one month before I bought the insurance. Also ridiculously claimed that the vet visit for the limping was within the waiting period. I politely challenged them to show me where the vet summary said my dog had had a arthritis diagnosis- PP couldn't. I subsequently read other reviews that said PP often rejects claims on older dogs. Lesson learned. Will now pursue other options, ie Chewy insurance.
Insurer: Prudent Pet
By: Abby Stavitsky
Terriable business. Claim was NOT process and it's an annual vaccination!
Terriable business. They didn't process my claim for a regular annual vaccination for 4 weeks! Just keep sending emails back and force but continue NOT processing a request. Doesn't matter how many proof documents you upload or what your vet clinic said they keep HOLDING your request and don't pay. Be advice. Dissapointed! Claim was NOT process and it's an annual vaccination!
Insurer: Spot
By: Tvir Rtvir
If I could give 0 stars I would. It’s a complete waste of time and money.
If I could give 0 stars I would. This has been a complete scam, from the time I enrolled in March 2025 until now, end of May 2026. I have paid over $900 in premiums since I enrolled my pet. I have submitted 5 claims totaling just over $2,000 and ALL of my vet records. My vet's office also supplied all the records, which are very detailed, and go back 11 years. All of my claims were denied initially stating I hadn't provided the records. After ensuring they did have all records, I was told the claims would be reprocessed within 10 days. When I hadn't heard anything for over 30 days, I called customer service, and they confirmed I had provided everything needed and the man on the phone stated HE would personally ensure that ALL of my claims were reprocessed and he would contact me in 24-48 hours. That was 4 days ago. This morning I had an email stating I would hear from them in another 30 days. THIS IS UNACCEPTABLE. While I've been waiting on responses, I've been paying the premiums. My pet was NEVER covered under the insurance plan I've paid over $900 for to keep him safe and healthy. I've done my part 100%. ASPCA Pet insurance has NOT provided the services I've paid for. I've wasted so many hours of time on the phone or sending emails and records and I'm currently waiting on the phone AGAIN right now. DO NOT pay for this service. It is a total waste of money. And a complete waste of time, trying to get your calims paid or your money back. I have requested a refund and heard nothing back. I feel completely scammed. Updated June 15, 2026. ASPCA pet insurance still has not approved my claims or issued me a refund. At this point for my own sanity, I am just canceling the policy, even though I feel I was scammed out of $900 in insurance premiums. Don’t waste your time or money. Pet insurance is personal. We are trusting these companies to help us keep our pets healthy. I couldn’t be more disappointed by this company.
Insurer: ASPCA
By: MissDanelle
Smooth and Quick refund process
Easy to upload Vet bills and SOAP notes, quick turn around on pay out of vet bills.
Insurer: MetLife
By: Tina Neff
Easy claim submission online.
We had to use a different Vet Clinic than ours and submitting a claim online for the service was very easy!
Insurer: Trupanion
By: Scot