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 04, 2025

Major Medical

When I was reinstating the policy I was told you no longer covered the ACL surgery. This will not work for the breed of dog I have so I will be canceling my coverage effective immediately.

Insurer: Nationwide

By: Peay

Verified September 04, 2025

easy

Easy enough to set up, quick feedback, now just wait and see after coverage starts

Insurer: Nationwide

By: customer

September 04, 2025

Life Savers!

My experience with PetEmbrace has been amazing! They have been there when I have needed them most and they have been very reliable. The only downside to using this insurance is having to pay out pocket first but they are pretty quick with the reimbursement so its a win. I have personally called their customer service and I felt very welcome and they help me with any issues I had. I think the price is very good for 2 pets covered with the comprehensive and illness plan.

Insurer: Embrace

By: customer

Verified September 04, 2025

I have an older Shih Tzu and she gets…

I have an older Shih Tzu and she gets UTIs and this year was bad, but I received hundreds of dollars back.

Insurer: Spot

By: Lou Ann Elliott

September 03, 2025

So easy to deal with

So easy to deal with, and friendly. Great web portal, transparent processing sequence, if you can't afford Embrace, you probably can't afford the pet, they have saved us over $20k over the years and made it easy to give our pets the care they need. We've had three emergency eye surgeries and a knee procedure with two pets, not to mention more routine illness care. We would have had massive high interest credit card debt to manage without them. Do not go without pet insurance!

Insurer: Embrace

By: Ari Stern

Verified September 03, 2025

Great Coverage, Reasonable Price

Having Fetch Pet insurance has been a great experience. Claims are reviewed and paid quickly. This has allowed me to get the care and medications needed to keep my little buddy healthy. Highly recommend this insurance for all pets.

Insurer: Fetch

By: Linda

September 03, 2025

claim form had repeated error messages…

claim form had repeated error messages that necessitated restarting claims

Insurer: Embrace

By: M Shaw

September 03, 2025

Thousands in cancer claims

I have had thousands of claims submitted and Pets Best has paid pretty much everything I have thrown at them. There is no hidden fine print that excludes expensive procedures / meds. When something was not covered, it was completely reasonable, and good explanation was given. Pets best allowed me to give my cancer dog a shot at living longer. Great company to deal with.

Insurer: Pets Best

Veterinarian: Hope Veterinary Oncology Services

By: Steve

Useful
September 03, 2025

Pets Best - Highly Recommended

Pets Best is the absolute best decision I ever made when it comes to protecting my pets. There are so many options for coverage that meet individual needs. The claim process is quick and easy. Recently, one of my dogs experienced a severe emergency. I had no concerns with covering the cost for his care because of Pets Best. The policy allowed me to focus on his care and ensuring he received what he needed to become better. I recommend them to anyone looking for pet insurance and will use them for all my pets in the future.

Insurer: Pets Best

Veterinarian: BluePearl Pet Hospital

By: Samantha

Useful
September 03, 2025

claims

I submitted 3 claims and only one has been processed. Not sure what is going on. Also submitting Chiropractic exams and services, seem complicate.

Insurer: Pets Best

By: Shelly Miller

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