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 use claim form
Easy to use claim form, fast response and timely payment. Thank you!
Insurer: Pumpkin
By: Richard Aberle
Terrible
Terrible, had a $500 out of pocket. sent all paperwork and proof and they said they needed more so we went to all the vets, asked on the phone, verified the papers, resubmitted them, and yet we did not receive a single penny back from the $2,000 spent on one of my kitties emergency funds. Not only that but we don’t have the money to keep the treatment going so he won’t get better. ABSOLUTE WASTE OF TIME AND MONEY… now I might have to get rid of my kitty because of the extensive bills that the insurance said they would cover and failed to do so. truly disappointed especially for a company that’s supposed to make sure all of our babies are protected. (Below i have provide one of the many policy numbers)
Insurer: Fetch
By: Rafael Gavidia
The reimbursement is always prompted
The reimbursement is always prompted
Insurer: Pumpkin
By: Tony
Lenghty Processes Overall
Filing claims is extremely lengthy for one. Two, before I ever filed a claim, somehow another customer filed a claim on my policy to which I had to wait on the phone for 45 minutes to resolve the issue. Very unprofessional overall and not worth the $$.
Insurer: MetLife
By: Bradley M
Emergency Vet Visit
We had to take our pup to the emergency vet, thankfully it turned out to be nothing serious. I use the Spot app all the time, all you do is snap a picture of the invoice and send it in. Within a few days they process and we have direct deposit so we got our reimbursement quickly
Insurer: Spot
By: Shiloh
Respect and responsive to Policy Owner's Concerns
I am a new policy holder with Embrace with recommendation from my USAA policy request. As is standard practice Embrace was thorough and diligent in reviewing my pet, Sophie (a 3 year old lab) history and reporting their assessment. It contained two pre-existing conditions one of which was an error from my SPCA. The representative made it clear what the conditions were and how best to communicate any errors. After considerable time, the Vet finally responded to Embrace recognizing the error and requesting a removal of the Dental preexisting condition. I am completely amazed how promptly this was accomplished by Embrace. And appreciated Thanking me you for my patience as we got to the bottom of this case and of course, thank you for continuing to choose Embrace. I have complete trust that requests of my policy will be assessed, analyzed and responsive with the utmost professionalism and respect for my concerns.
Insurer: Embrace
By: Sarah
submitting multiple claims are a bit…
submitting multiple claims are a bit challeging
Insurer: MetLife
By: Gina Griffith
Competitive rates!
First time signing up for Pet Insurance for both of my dogs, which can get pretty expensive. I’ve only had to deal with two claims and so far very easy to submit refunded directly into my bank account within a week.!
Insurer: MetLife
By: Lyn
Easy to file a claim
Easy to file a claim. No problems at all
Insurer: MetLife
By: Julie H
Love Spot!
Claim process is easy Deductible is reasonable Received the guaranteed 70% of expenses we paid for at the vet App is great
Insurer: Spot
By: Dallas Tavenner