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


September 18, 2025

Very easy process for the claims…

Very easy process for the claims process. In reviewing cost, they were lower than other companies when you compare deductible and the amount they allow each year. Very helpful when you have to call them directly by phone.

Insurer: Embrace

By: Karen

Verified September 18, 2025

Fast processing of claim

I recently submitted a claim for my pet, though I was initially told it would take up to 4 weeks, it was processed in a week. The claim submission process is very simple and easy. Thanks for the awesome service!

Insurer: Spot

By: Priya Jaikumar

September 18, 2025

It't a waste of money they never pay on…

It't a waste of money they never pay on any claims

Insurer: Embrace

By: Brenda Horton

Verified September 18, 2025

First time we have made a claim

First time we have made a claim. Didn't have the pre-insurance medical records we should have submitted when we first purchased the coverage. Embrace was helpful getting all of that caught up; I was surprised because they could have denied the claim because of that. Instead they very efficiently helped us get the paperwork - old and new - and processed the claim very quickly.

Insurer: Embrace

By: Paul Murr

Verified September 18, 2025

This was our first actual use of the…

This was our first actual use of the insurance and the process went smoothly

Insurer: Fetch

By: Kenneth Peterson

Verified September 18, 2025

Fast clear easy to follow instructions…

Fast clear easy to follow instructions for making my claim

Insurer: Spot

By: Steve Huddleston

Verified September 18, 2025

Prudent Pet has actual people, not AI, to help customers!Rebecca at Prudent Pet did an excellent…

Rebecca at Prudent Pet did an excellent job in explaining the different policies and their coverage. She took time to answer all of my questions, and made buying policies for my 2 small dogs incredibly easy. I can now feel good about having a "safety net" for my fur babies, should anything ever happen to them!

Insurer: Prudent Pet

By: Jennie Schoen

Verified September 18, 2025

Easy to file,quick payment

Easy to file,quick payment

Insurer: Spot

By: Robert Friske

Verified September 18, 2025

I was paying a high premium each and

I was paying a high premium each and every month for my two dogs and that is now increased up to $120 a month for both my dog. This is the second time I tried to use my insurance I’ll pay for something which is what you get insurance for in the first place. First time I was denied the second time now I only got less than half had to pay $250 deductible, which is crazy after all I pay each month.

Insurer: Embrace

By: Henry Martin

September 17, 2025

Exceptional

I am admittedly one of the “not so easy to please” customers who does not accept status quo. Embrace is so far beyond status quo. The claims process is foolproof, and response time is exceptional. (No, I do not hold a personal stake in this company).

Insurer: Embrace

By: Rusty Gage

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