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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Top notch claim service!
You can tell a good insurance company by how well they handle claims. Unfortunately our dog Navidad needed a rear leg amputation which cost over $5,000. Spot reviewed the claim, asked for some more backup and paid it within two weeks of the operation. Thanks so much! We are glad to have three pets insured with Spot.
Insurer: Spot
By: Scott
10/10 Highly recommend!
Every interaction I've had has been incredible! The representatives are so well trained, so compassionate, so friendly, and go above and beyond to make sure my questions are thoroughly answered and that I understand how everything works. The reimbursements have been accurately in alignment with my expectations based on my plan, and they have been timely. I'm so glad I chose Pumpkin to help me care for my little old dog!
Insurer: Pumpkin
By: Angi H
Great customer service
Great customer service, I had 4 claims in 1 month due to infections and surgery - it took 2 tries to get all the docs to the correct spots, but once they had them the claims were processed in a few days, then a couple days and I have money in my account. Overall a fairly good start, especially compared to human insurances.
Insurer: Embrace
By: russellclan.amado Russell
Such an easy claims experience
Such an easy claims experience, I don’t use it often but still quick to navigate. Thank you!
Insurer: Spot
By: Tricia Taylor
Ease of use
Ease of use, website was great. Update on additional information needed, plus understanding the info was best requested directly from the veterinarian. Reimbursement was received quickly, explanation of benefits paid was clear..
Insurer: Spot
By: Ruth De Witt
I strongly do not recommend Embrace Pet…
I strongly do not recommend Embrace Pet Insurance. We paid premiums expecting coverage for our pets, but when we filed our claims, all were denied. Both our family veterinarian and a veterinary specialist provided written letters confirming that the injuries were not pre-existing conditions, yet the company still refused coverage. We submitted thorough medical documentation and followed their process, but our claims were dismissed without fair consideration. After this experience, we canceled our policy. In my opinion, this company does not stand by its stated coverage, and pet owners should be aware before trusting them with their pets’ health care. We were left with thousands of dollars in expenses that we reasonably expected to be covered.
Insurer: Embrace
By: Kayla Wunschel
My dog suffered with a perianal…
My dog suffered with a perianal fistula. My vet tried various treatments for a year. When treatments were exhausted, my dog had surgery to remove affected gland and repair fistula. Embrace quickly paid all submitted claims. A year of treatment and surgery were very expensive for me without insurance help. Very satisfied and would recommend to anyone with a pet.
Insurer: Embrace
By: Mary Sullivan
Please don't believe what their page…
Please don't believe what their page says!! I did and now my dog almost died I had to get her to the emergency room due to unexpected bleeding , we didn't know she had a tumor, this was a "pre existing " illness. So the " emergency visit " coverage didn't approve it. An Emergency is UNEXPECTED , things happen, COMPLICATIONS happen. Dont waste your time and money with them.
Insurer: Fetch
By: KJ HV
Filed a claim for my dog having a small…
Filed a claim for my dog having a small mass removed from under her eyelid. The claim was handled without any issues and was completed in less than a week.
Insurer: Spot
By: David Pilossoph