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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Healthy Paws has been incredible
Healthy Paws has been incredible. Claims are processed quickly and the whole process is so easy. Thanks to them, my Rottweiler Gucci received the treatment she needed, and she’s now pain free and thriving as a tripawd. I’m forever grateful! 🐾❤️
Insurer: Healthy Paws
By: AnnMarie Zingaro
Great insurance and paid almost instantly
Great insurance and paid almost instantly.
Insurer: Pumpkin
By: Dwight Edens
Helpful
Aileen has been helpful in providing detail explanations regarding pet policy and coverage.
Insurer: Fetch Canada
By: baadshah wazeem
⭐ Review
⭐ Review: Embrace Pet Insurance via USAA – A Cautionary Tale I used to trust Embrace through USAA. They were once top-rated, scoring 4.6 or higher, and I believed they offered real protection for my pets. But that trust unraveled quickly. One day, my pug was in excruciating pain—screaming when I tried to touch him. I rushed him to the vet. Bloodwork didn’t reveal the issue, so we did an x-ray. That’s when we finally found the problem. I submitted the claim to Embrace, expecting support. Instead, they denied it, calling it a “pre-existing condition.” How could it be pre-existing when I didn’t even know it existed until the x-ray? Their six-month orthopedic waiting period is a trap. It punishes pet owners for seeking answers and forces pets to suffer unless you wait out their arbitrary timeline. I appealed. They denied it again. This isn’t just poor service—it’s a system that gaslights pet owners and dismisses urgent care as a technicality. And now they’re sending marketing emails asking me to come back. No thanks. I’ll never trust them again.
Insurer: Embrace
By: T G
We are very happy with the coverage we…
We are very happy with the coverage we have for our kitty. The claims process is also easy and smooth. We can relax knowing that our pet is cared for.
Insurer: ASPCA
By: ShonQ
Don’t Buy
It is terrible denied my claim because they said his symptoms started in the waiting period where I had already paid for the insurance but was not covered???? Even though it did not and I don’t know what that information is coming from seems like a scam do not recommend waisted 100 dollars for the months I’ve been on not to mention it took them a month to process my claim said I needed two years of vet history or my claim would be denied when I just got the dog a couple of months ago
Insurer: ASPCA
By: Alicia Combs
Response time for processing claims is…
Response time for processing claims is outstanding!
Insurer: Pumpkin
By: MaryAnn McNulty
MetLife Pet is great
MetLife Pet is great. They care about my two dogs and its so easy to submit a claim. They are so helpful and always there to help.
Insurer: MetLife
By: Lisa and Ken Finger
WORST EVER
Absolutely abysmal - a total scam. (Just read the zillion awful reviews on the BBB pages) Had accident coverage for my cat who threw up blood one day. Vet did bloodwork and examined him and determined he’d eaten something weird and was fine (which he was, thankfully). Spot denied my claim (over $600) repeatedly saying he was ill. He’s never been ill a day in his life - which my vet tried repeatedly to dispute (as did I). The bloodwork was clear and there was literally nothing that would lead to that false conclusion. Did they care? Nope. BOTTOM OF THE BARREL
Insurer: Spot
By: Kristen
Easy claim
"My pet had an emergency. I took a photo of the receipt went on the pets best app, followed the easy instructions on how to submit a claim and was done in a few mins. I was notified that it was received, notified about a delay than within 2 weeks received payment in the amount I expected and a written invoice which explained the details about the payment. This was a very pleasant first time experience.