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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Submitted claim and it was settled and…
Submitted claim and it was settled and refunded in a matter of a few days. Prompt service! Also very helpful answering questions.
Insurer: Spot
By: Pauline Bouchard
Refusing claims because no medical history of Stray dog
Found a stray German Shepherd Dog a year ago. Took him to the vet and took out Embrace insurance on him. Had some small things with him in the past year that needed medical attention. Embrace refuses the claims cause the invoices are not through their electronic system. Last thing I took him to the vet for stitches after he ripped his ear somewhere. Embrace refuses payout because they want his medical history from before I started the policy 1 year ago. But he was a stray! I'll stay away from Embrace.
Insurer: Embrace
By: Willem Bousema
The claim was easy and the refund was…
The claim was easy and the refund was quick. Just uploaded the receipt from the vet and the money was deposited in a few days. No issues at all
Insurer: Pumpkin
By: Melissa
Spot Pet Insurance Finds Every Excuse Not To Pay
My experience with Spot Pet Insurance was an absolute nightmare once real veterinary expenses started happening. Collecting premiums every month was never a problem for them, but the second claims were submitted, the company suddenly became experts at twisting unrelated medical issues into “pre-existing conditions” to avoid paying. What made this even worse was the complete lack of transparency. Claims were denied with vague, generic explanations instead of clear evidence or detailed reasoning. Multiple unrelated conditions were lumped together under broad assumptions, and requests for line-by-line claim reviews or specific policy justification were met with canned responses that answered nothing. The entire process felt designed to frustrate customers into giving up. Instead of helping during an already emotional and financially stressful time, Spot created even more stress through delays, deflection, and blanket denials. The marketing promises and the actual claims experience felt like two completely different realities. If you are shopping for pet insurance, do yourself a favor and research companies with a proven history of honoring claims fairly. In my experience, Spot was far more interested in protecting payouts than protecting pets.
Insurer: Spot
By: Joshua
Quick and fast service for my Dane
My Dane got bloated, they were quick, easy and processed multiple claims. One claims they processed within 17 minutes. The money was transfered to my bank a couple days later. When your going through something like that, the last thing that needs to be on your mind is how can I afford this.
Insurer: Pumpkin
By: Brandi Stanfield
Pet's Best is the perfect name!
My 3 year old Cavachon, Charli, has been suffering from stomach issues (nausea/vomiting) every morning for the last several weeks. So far, she's had 3 visits to our veterinarian and one visit to the ER. After blood tests, they found her Cortisol level was low, so she needed to be tested for Addison's Disease. The results were negative, which is good, but now she may need get an ultrasound as we are still seeking a diagnosis. I am sick with worry because I love her so much. However, having this incredible insurance has definitely eased some of my stress. All of these visits and tests are SO expensive, but knowing Charli can have whatever care she needs without tremendous financial burden is a great feeling. I filed 3 claims within the last 2 weeks and have already received reimbursement for all of them. Thank you SO much! PetsBest truly is the BEST!!"
Claims submission and claim processing
Very easy to submit a claim and processed quickly
Excellent customer service
Pets Best has always been fair, convenient and expedient with claims and all other correspondence. The price is great for such great coverage and service.
They came through!
I got Pets Best Health insurance the week I adopted my 12-week Lab mix puppy — best decision I ever made, as it turns out. A few months ago she started walking funny. X-rays revealed significant hip dysplasia, which felt like a gut punch for a dog not even two years old. But plot twist: her hips weren't actually the problem. Her two blown knees were. Both of them. On a puppy. Because apparently she decided to go big. After consultations with two vets, more x-rays, and some genuine soul-searching, I went ahead with a bilateral TPLO — both knees, done right — because she deserved a pain-free life, not a lifetime of managing discomfort. Then I braced for the insurance battle. I'd fully prepared myself for the runaround: denied charges, fine-print surprises, the whole thing. Instead? Pets Best paid exactly what their Explanation of Benefits said they would. Every line item. No drama. I'm genuinely floored. Georgia Mae is going to be just fine — and apparently, so is my faith in insurance companies. At least one of them, anyway.
Insurer: Pets Best
By: Erin
It was easy to fill out the forms and…
It was easy to fill out the forms and it walks you through the paperwork
Insurer: MetLife
By: Tammy Griffin