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 is a great company
I've been insured with Healthy Paws since getting my first dog in 2017. Healthy Paws is great to deal with and they make filing claims very easy. They have excellent communication and keep customers updated with their claims process. Payments also arrive quickly. I'm very pleased with the company and recommend it to anyone!
Insurer: Healthy Paws
By: Philip Krajewski
Normally I have no problems with my…
Normally I have no problems with my claims however I was unable to submit the claim through the regular channels and had to send the information email. I have been asked numerous times fir the diagnosis for this claim for Boo and have replied. I have now just resulted the entire thing because now the suit claim process is working which unfortunately is not always the case. I hope my resubmission helps
Insurer: Embrace
By: Susan
Quick response time from filing to…
Quick response time from filing to closure of claim. Great job 👏🏼
Insurer: Spot
By: La Shawn Pender
Don’t waste your money
I filed a claim for my 17 month old AmStaff. She had a skin infection and bumps all over her body. Not only did it take Pets Best a month to process the simple claim, but they also denied every single covered expense. Their reasoning?! They requested ALL of her medical records. Which is crazy because they HAVE all of her records. This was the first time she’s ever been ill. Don’t recommend them at all!!
Great Choice - Pets Best
We are very happy we chose Pets Best to insure our 3 Labrador Retrievers! They have a very easy claim process, quick reimbursement, excellent customer service, and respond immediately to any inquiry.
Pets Best Review.
Im new to insurance on animals so i was skeptical at first. After purchasing two very expensive miniature dachshunds, i knew i had to get them covered right away. After searching and searching, multiple different recommendations and videos explaining others experiences with different pet insurances, i went online to Pets Best and gave them a call for a run down of all coverage i could have to fit my budget. Within the time frame of holding 2 policies, ive already submitted 2 seperate claims. Choosing a insurance company that could help me with wellness visits and check ups was a huge must! Overall im very pleased and rest better knowing my two boys are covered and in great hands! Pets Best holds a great reputation and has the friendliest customer service team. Thanks Pets Best! Sincerely, Bri, Pumpkin & Sven.
They helped me with my bill when I…
They helped me with my bill when I needed it the most. They are great for emergencies.
Insurer: Spot
By: Donna
Avoid Embrace - Professional Claim Denial Service
Paid premiums religiously. When my cat needed diagnostics, I got a masterclass in insurance bad faith instead of coverage. What happened: - Entire diagnostic workup denied under blanket "pre-existing thyroid" excuse - No breakdown of what was actually denied vs. covered - Unrelated imaging and consultations were lumped into the rejection - Second claim delayed for weeks as "pending medical history" despite records already on file - Forced my vet to re-send identical documentation they already had The punchline: When my vet asked for claim itemization, Embrace went silent. Their "appeals process"? Make the veterinarian write a letter that goes back to the same underwriter who denied it initially. Translation: You're not buying pet insurance. You're funding an elaborate claim denial operation with a fake appeals process designed to exhaust you into giving up. Save your money. This company sells protection, but delivers a professional runaround when you actually need them. UPDATE: 9/8/25 My response to Embrace’s public statement: Embrace says they’re “upfront” about coverage and that pre-existing conditions are “determined directly from the notes provided to us from your veterinarian.” That is not true in my case. My veterinarian emailed Embrace directly and pressed them for itemization of which charges were being denied, the dates of those charges, and the justification for tying them to hyperthyroidism. Embrace ignored her request and issued blanket denials anyway. If Embrace were truly using the vet’s notes as they claim, they would have answered my vet's questions instead of dodging them. This shows Embrace is not being transparent with policyholders or veterinarians, despite what they write in their template replies.
Insurer: Embrace
By: Pamela Ferrer
Was very good to have coverage for a…
Was very good to have coverage for a major event. They only thing that needs improvement is I had to resubmit my dogs records every time I made another claim for a different bill from the same occurrence. Should only have to submit that once. All in all was a good experience and a big burden off of us. Thanks.
Insurer: Spot
By: Patrick Shaffer
Making a claim was simple!
Making a claim was simple!
Insurer: Spot
By: Virginia Gomez