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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PetsBest is the best!
I had never had pet insurance before adopting my current rescue, but was persuaded to look into getting it by my vet. I researched the different companies and decided on PetsBest. I got a policy that has a $1000 deductible and then would reimburse me 90% after meeting that level. My new pup was only a year old and that seems like a reasonable thing to do. I had read that PetsBest treated their clients well, and hoped that I had made a good decision. Then the day came when I needed to file my first claim. Oh, my goodness: that process could not have been easier! I received immediate confirmation that my claim had been received and got updates until the final decision had been reached regarding my claim. I have now met my deductible and the service continues to be excellent. Truly, I can't recommend PetsBest any more highly! I am grateful that I bought it. It has given me peace of mind every time my dear dog has needed any kind of treatment.
Waste of Money
I took out an insurance policy on my dog as a young puppy. He has been healthy and never had a claim. After paying premiums for him for 5 years, and another rescue for an addition year, I finally filed a claim. My border collie was accidentally poisoned after licking a chemotherapy cream on my arm. After calling my vet, was told to contact animal poison control. There was a charge, and they advised emergency treatment because the prognosis was grim. Part of their charge was working with the ER vets for treatment. I immediately rushed him to the Emergency Vet hospital where he was evaluated and they followed a three week protocol as advised by poison control. He was given meds, daily blood work and watched for neurological symptoms. The last blood test was taken by my personal vet. We were lucky he didn’t ingest enough of the cream to kill him.. For that I’m extremely grateful, and have advised my own dermatologist to warn patients using the chemotherapy cream if they have pets. I submitted all of my dog’s medical records and bills for his total treatment to Healthy Paws. After submitting my claim, they didn’t even approve enough of the costs to even cover my deductible. I cancelled my policy on both dogs citing rising costs of premiums and dissatisfaction with the lack of reimbursement on veterinary services.
Satisfied
I recommend Pets Best to everyone and I am happy to report the claim process is very smooth and I will continue to recommend
Insurer: Pets Best
By: AMY
Bad business practices
We received a notice that our 24hour Pet Watch was transferred to Hartville - they downgraded our coverage and tripled our monthly premium for the two cats from $137 to $392. There is no account information, no way to see details. We received no notice prior to this email. We can’t even cancel the insurance. That this is legal in the US speaks leagues to why everyone is so pissed off. Businesses are run poorly and they cover their lack of management ability by treating their customers poorly, overcharging while failing to provide value and engaging in other unscrupulous behavior.
Worth it to have the little guy covered
I like that there are yearly reimbursements for wellness appointments, vaccines, dental cleanings, etc. Payouts are quick and I'm glad we have our little guy covered.
Insurer: Spot
By: Hannah Allen
I highly recommend them
I highly recommend them. If you run into a problem, just ask to speak to a supervisor. Only had to do that once, it was resolved quickly. All other claims paid very promptly.
Insurer: Spot
By: Joyce Carter
Thanks again, Embrace
Once again, Embrace makes it so easy to submit claims.
Insurer: Embrace
By: Barbara
Claim was processed within a week
Claim was processed within a week
Insurer: Fetch
By: Deb
The online claim submission is easy
The online claim submission is easy, and I receive regular emails with the status. Also, the portal is easy to access and see updates.
Insurer: Pets Best
By: A M Dickerson
Embrace has been excellent for my five…
Embrace has been excellent for my five year old dog. They make it super easy to submit claims and the payments are quick and easy. Definitely a life saver!
Insurer: Embrace
By: Aimee