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


Verified September 24, 2025

Everything was fast and efficient!

Everything was fast and efficient!

Insurer: Spot

By: Haley Goad

Verified September 24, 2025

It only took a few days to process

It only took a few days to process. Thank you.

Insurer: Spot

By: Florence Kim

September 24, 2025

Good selection of plans

Good selection of plans. Reliable. Fast reimbursement of claims.

Insurer: Embrace

By: Unhappy Camper

September 24, 2025

Very easy to submit a claim and follow…

Very easy to submit a claim and follow up using the site. Would definitely recommend Embrace to my friends and family.

Insurer: Embrace

By: Kiani

September 24, 2025

A waste of time and money

A waste of time, money and effort to signup and deal with this company. The information you receive when signing up is misleading at best. Regardless of how many riders you will add to the basic policy such as wellness plus, alternative, rehabilitation etc figo will find a way to reject your claim.

Insurer: Figo

By: L

September 24, 2025

Submitting a claim is so simple

Submitting a claim is so simple! When my claim is for prescription meds it is approved almost immediately and the reimbursement is typically in my bank account within 48-72 hours.

Insurer: Embrace

By: G. Schuchman

Verified September 24, 2025

They are great

They are great! I had to take my 1 year old puppy to hospital on a Sunday, then to 2nd hospital because thec1st one closed. Plus, I called poison control. I turned in all receipts and in just a few days I was getting emails about each claim was being paid. It was a super easy process. I would recommend Spot for all pet owners. My little baby is ok!

Insurer: Spot

By: Brenda Griffin

September 24, 2025

Good choice for pet insurance

Pet's Best is relatively affordable and provides good coverage for our beloved cats. It's easy to use the online claims portal, and customer service has always been helpful.

Insurer: Pets Best

By: Jennifer

Verified September 24, 2025

Had a good experience with Spot during…

Had a good experience with Spot during my cats recent emergency. The virtual vet service helped me make a decision to take him to the hospital. The reimbursement was inline with other pet insurance timelines as well.

Insurer: Spot

By: Gayle

September 24, 2025

Customer representative MEGAN was…SUPERB!!!!

Customer representative MEGAN was superb. She answered my questions about my recent claims and informed me that I omitted a wellness form. She advised me to obtain it from my vet, which I did, and thus, obtain reconsideration for benefits for recent claim filed and also for a prior claim that I omitted the forenamed form. Megan volunteered to contact my vet office to obtain the earlier wellness form for the prior claim. I so impressed that she would make the effort to contact my vet to ensure that the proper form(s) that Fetch claims needed for my respective claims' reconsideration were obtained. Megan acted to aid me for which I thank her. Megan just contacted me to inform me that she received the requested documents from my vet. What I experienced with Megan was a customer representative who is knowledgeable, courteous, patient, and went above and beyond with help. She is the consummate professional, which is so rare in this era. Megan is a GEM!

Insurer: Fetch

By: Customer

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