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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Refused reimbursement
This insurance company is a scam. My pet was scheduled for a dental cleaning. However, the vet discovered he had severe gingivitis when prepping him for the cleaning and he needed 16 teeth pulled. Filed a claim with Embrace and it was our first claim ever with this company ever since we insured the pet 4 years ago. Every year the policy price keeps climbing, but they outright denied our 2k dental bill because they blamed the vet for only coded the bill as “wellness”. I asked customer service on the phone why the claim was denied, and Cassie told me I should go blame my vet because they refused to break down the bill on how much of it was dental cleaning. I asked Cassie how much cleaning does she think my pet needed done when he had 16 teeth pulled. And she kept telling me there is nothing they can do and to call the vet. Do not recommend.
Insurer: Embrace
By: Iris Dieu
My claim was handled quickly
My claim was handled quickly. However, I did send an email asking for a breakdown of the payment and haven't heard back.
Insurer: Spot
By: PAMELA
First claim was easy to submit
First claim was easy to submit. All instructions clear and no tech hiccups.
Insurer: Embrace
By: Caroline Bombar-Kaplan
Quick and accurate Claim Coverage
Our Claim was accepted quickly and accurately!
Insurer: Spot
By: Vanessa C
Did I make a mistake
So far since I made the switch to Embrace I haven’t been impressed. The first time I submitted a claim I was getting emailed to explain the issue and my vet had to explain and send in history. My other insurances never was this hard to make a claim. My pay was usually deposited in 72hours. I’m now starting to wonder if I made a mistake by switching.
Insurer: Embrace
By: David White
5 stars
5 stars! Spot insurance has been nothing but great. Having this coverage has been such a huge relief emotionally and financially. I keep telling every person I know to look into this insurance. My furbaby has been experiencing sudden health issues and we all know that cats hide their symptoms very well. Because of this coverage, I have been able to keep up with my furbaby’s medical appts without delays and know that I will be reimbursed in time to schedule his follow up appt. The best part is that my reimbursements have been processed and deposited into my account in less than 12 days. I’m so grateful and this has been a learning experience for me. Don’t let your pets suffer in silence, pay that monthly fee and get your babies covered.
Insurer: Spot
By: Joanne Donneys
Great customer service and quick claim…
Great customer service and quick claim review and payment.
Insurer: Spot
By: Jenny Lilly
Twenty one days since my dog's…
Twenty one days since my dog's emergency visit and they just emailed me to tell me they needed more medical info from my Vet. This is taking much longer than it should.
Insurer: Pets Best
By: Enn Deedown
Quick and easy!
Ease of filing a claim and quick processing.
Insurer: Fetch
By: treeves
Very easy to deal with
I couldn’t be happier with this pet insurance! The sign-up process was simple, and the coverage options are straightforward and easy to understand. When my pet needed unexpected care, the claim process was quick and stress-free—exactly what you need during a difficult time. Reimbursements were processed faster than I expected, and the communication throughout was excellent. Knowing I have this insurance gives me real peace of mind that my pet will always get the best care without the financial stress. Highly recommend to any pet parent!
Insurer: Embrace
By: Suzette Gramm