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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Easy to file claim through my…Vet
Easy to file claim through my Veteranarian
Insurer: Trupanion
By: Jim
Trupanion comes through!!!!
We have insured with Trupanion for several years, and has paid off especially when veterinary bills get really expensive. Quick response and turn-a-round creates stressless transactions between hospital and patient.
Insurer: Trupanion
By: Kenneth Stern
Caring people to help with claim
Caring people to help with claim
Insurer: Spot
By: Cynthia O'keefe
Insurance premiums for SENIOR pets increased 50% - 💯 %
February 9, 2026. My Cat Schreiver had Gingivitis and two extractions were recommended because the teeth are resorbing, which is a secondary illness. I did not want Schreiver to have dental surgery because another vet had recommended that I take Schreiver to a cardiologist. Because I did not have my cat’s two upper molars extracted, the claims adjuster, is dissecting my cat’s procedure and saying that dental cleaning is one procedure and removing gingivitis is another different procedure I verified what Prophylaxis is with AI and the claims adjuster stated that She cannot accept AI’s explanation. Yes — scaling and polishing are core parts of the standard veterinary procedure used to treat gingivitis, according to the AAHA Dental Care Guidelines and veterinary dentistry sources. Here’s the clean breakdown grounded in the search results: ✔️ Scaling is part of gingivitis treatment AAHA’s dental guidelines list supra‑ and subgingival scaling as essential steps in a professional dental cleaning and periodontal therapy. Scaling removes plaque and calculus above and below the gumline, which are the irritants that cause gingivitis A. • AAHA: “Scale the teeth supra‑ and subgingivally… removal of plaque and calculus” A • This includes ultrasonic scaling and curettage of debris in gingival pockets. Because gingivitis is inflammation caused by plaque/tartar, scaling is the therapeutic step that actually treats it. ✔️ Polishing is also part of the gingivitis procedure ✔️ Why both are included Gingivitis is reversible because the supporting structures are not yet destroyed. The treatment goal is to remove irritants and restore gum health. Scaling removes the cause; polishing prevents rapid recurrence. Key components of a true dental prophylaxis AAHA defines it as a procedure “performed on a healthy mouth… to prevent disease and remove plaque and calculus above and beneath the gum line under anesthesia” A. Perhaps pet owners should read Embrace Pet Insurance reviews, especially with the Better Business Bureau to see if this pet insurance is a good fit for you. I had to escalate my case to the Better Business Bureau over a measly $66.85. This is a pet insurance that will argue, argue and argue. They feel that $66.85 is worth more than a negative review. Then there was the time that my cat Allie was diagnosed with oral cancer. Embrace Pet insurance did not want to pay my claim, so they said that it was FRAUD! When Embrace Pet insurance collects premiums without having to pay out, that’s kosher. But the minute they had to pay my claim for an illness, it’s FRAUD. Did Embrace Pet Insurance pay my claim for my cat’s illness for Oral Cancer? Yes. However, it took me going to the better business bureau to get the issue resolved. Embrace Pet insurance told me that they were going to conduct a thorough investigation, And they still came up empty handed ! Allow me to recommend a pet insurance company. Prudent pet insurance. They’re more expensive, but they do pay out on claims. How much more expensive? I insured 9 or 10 cats with illness and accident coverage with Embrace Pet insurance $126.00 in 2019 or 2020. Embrace pet insurance is $453.00 a month in 2026. My cat Rico’s policy was $60.00 in 2025 and was increased to $161.00 in 2026 and Rico’s policy is going to increase in 2027. This is for a $5000 policy, $200 deductible and 70/30 coverage. You do the math. I insured One senior cat with Prudent Pet insurance for a little over $100.00 - 80/20 coverage, $10,000 limit. When Mitzi was diagnosed with an illness, Prudent Pet insurance paid my claim, no questions asked. I guess with pet insurance, you get what you pay for. ---
Insurer: Embrace
By: Consumer
Do not buy
I used to love this company with my previous cat. I’d submit what’s needed and they’d reimburse me with no issues. I adopted a new cat and now they keep asking for the same documents multiple times and have not approved a single claim while still taking my money every month. They’ve turned into a scam.
Insurer: ASPCA
By: Gia
I bought this insurance because of how…
UPDATE: My Trustpilot profile uses a nickname, which likely explains why Embrace stated they were unable to locate my account. The company does have my policy and claim information, and my claims are now currently being re-reviewed after I requested additional clarification. I am updating this review for transparency. I have asked for the specific medical record citations and policy language used to deny my claims and am still waiting for those details in writing. I also reviewed the onboarding emails I received, including my policy activation email, and did not see explicit instructions directing me to request a separate medical history pre-review. I will update again once the re-review process is complete. Thank you. I bought this insurance because of how it presents itself — “pet insurance for any situation,” fast claims processing, and financial protection when emergencies happen. When my pet had a real emergency, that was not my experience. After paying premiums for over a year, my pet required emergency ER care and life-saving treatment. The bill exceeded $8,000. I approved care believing my policy (70% reimbursement after deductible) would help carry at least some of the cost, which is exactly why I had insurance in the first place - to protect my pet. All three emergency claims were denied. Their explanation relied on broad interpretations of historical vet notes as “pre-existing,” even though there had been no prior diagnosis or indication from my veterinarian that my pet had any underlying condition that could lead to this emergency. The same medical history that allowed enrollment was later used to deny coverage when an emergency actually occurred. Adding to the frustration, my claims sat without resolution for over a month. After I began repeatedly following up, all three were reviewed and denied at once. The financial result has been severe. The reality is that being left with this level of unexpected cost directly affects what ongoing care decisions I can reasonably make for my pet. I paid for this policy in good faith so that if an emergency ever happened, my pet would be protected. When that emergency happened, the coverage I expected wasn’t there. In my experience, this company failed when it mattered most.
Insurer: Embrace
By: Sam
Filing claims are easy & convenient &…
Filing claims are easy & convenient & the claims are processed in 2 days!
Insurer: Trupanion
By: Joyce Segee
Really great service
Very easy process to submit a claim, and the response time is ultra-fast. If the company is experiencing a high volume of claims, they'll let you know right away-- and even in that situation, my claims have been processed within a week, every time. Really great service.
Insurer: MetLife
By: "always losing keys"
I’m still waiting on an approval to my…
I’m still waiting on an approval to my pets insurance. 😡
Insurer: Nationwide
By: Jiancarlo Gamboa
I'm so grateful for Trupanion and the…
I'm so grateful for Trupanion and the compassion demonstrated by this company. My 15-year-old cat passed away last week after an extended illness where he progressively worsened. I'm very grateful for the medical care that he was able to receive during that period knowing that I had the insurance coverage through Trupanion. All of the medical claims were quickly processed, and after my cat's passing, I received a kind message from Trupanion with their condolences. I have been a customer for 15+ years, and they continue to impress me and earn my business with every interaction. I love how this company operates and treats their customers.
Insurer: Trupanion
By: TurnANewLeaf