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 18, 2025

What I like about spot is you can…

What I like about spot is you can submit your claim through their app and they respond within a few days. Their timely and the insurance is an excellent insurance because it gives back to you what they said they would.

Insurer: Spot

By: Thomas Nemmers

Verified September 18, 2025

Great service

Thank you so much. While we were on vacation Grizzly our English Bulldog started having breathing issues. Grizzly was admitted and stayed overnight at the vet in the oxygen tank. When I submitted the bill I had an email within minutes. I was expecting to be asked for more information. I was pleasantly surprised to see my claim was approved. Pumpkin had been great

Insurer: Pumpkin

By: Warren

September 18, 2025

Simple and intuitive claim process

very simple and intuitive claim process, prompt response to claims submitted and a clear description of the EOB. Have been with Embrace for over 4 years and have never had a need to appeal a claim or even call them with an issue. Claim handling is pretty seamless.

Insurer: Embrace

By: Sishir Kumar Naguluri

Verified September 18, 2025

Quick processing of the claim

Quick processing of the claim, However, it would of been nice if you paid for the Bordella vaccine.

Insurer: Spot

By: Debbi

September 18, 2025

Easy to use and good customer service

Easy to use and good customer service

Insurer: Embrace

By: Jovany Gaytan

Verified September 18, 2025

Reimbursed for Dog's ACL surgery with no issues

Making a claim is super easy, and they reimbursed me for my dog's ACL (ccl) surgery with no hassle. Thank you!

Insurer: Spot

By: Dagny Brickson

Verified September 18, 2025

Excellent service

The ease of filing claims and the timeliness of payment are always "spot on" lol. I've filed for major surgeries as well as other smaller issues

Insurer: Spot

By: Doug

September 18, 2025

I have been with Embrace for 18 years

I have been with Embrace for 18 years. They are very fair and submitting claims is very easy. I never wait long for reimbursements and direct deposit makes it very convenient.

Insurer: Embrace

By: Laura

Verified September 18, 2025

An amazing company

This has been an amazing company. They are professional and caring. I receive reimbursement in a timely manner and have honored my requests. I have been with them for years and now that my little guy is older, I am glad that I am coverd.

Insurer: MetLife

By: Ilana Rowe

Verified September 18, 2025

Claim handled fast.

Claim handled fast.

Insurer: Spot

By: Robert Rehler

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