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.

64,674 total


January 01, 2026

Once I submitted the requested…

Once I submitted the requested documents everything was good and quick

Insurer: Embrace

By: Sergio Rivera

January 01, 2026

Timely and fair

Exceptionally clear and timely in their reviews of claims, and eminently fair in their coverage decisions. Best insurance company I've dealt with!

Insurer: Spot

By: Thomas

January 01, 2026

My experience with Met Life for my pet…

The customer service representatives are always knowledgeable and helpful. Sending in invoices for claims is incredibly easy and Met Life pays out very fast! I’m so glad I switched from nationwide!

Insurer: MetLife

By: Dolores

January 01, 2026

Medical issues concerning pets are…

Medical issues concerning our pets are never easy especially when great expense is involved. It is an emotional time to be weighing the cost of service versus care of your pet. Knowing you have coverage for emergency costs is helpful. It took me months to submit my claim due to the emotional loss of my dog. The process was smooth and I felt compassion from those I spoke to that helped me through the process. Reimbursement was timely and so appreciated.

Insurer: Spot

By: Patricia Lystad

January 01, 2026

The quickness of processing a claim request.

Quick response and the simplicity of submitting a claim. Outstanding phone assistance when needed. Outstanding email updates on the status of your claim.

Insurer: Spot

By: Louis Stortini

January 01, 2026

Easy to submit documents

Easy to submit documents. Appreciated email follow ups on status. Claim was processed in a timely fashion.

Insurer: Fetch

By: Karen Metcalf

January 01, 2026

so quick and easy to file and receive…

so quick and easy to file and receive claims.

Insurer: MetLife

By: Chris

January 01, 2026

Filled out the application

Filled out the application, they immediately took a double payment off my card (that was not stated very clearly), then sent an email that if I didn't have a vet record within the last 12 months, I'd have to pay for a full exam, out of pocket before they would cover anything. Being short on money for vet visits is why I enrolled. Immediately asked for a refund and no response. This company is a complete scam!!

Insurer: Nationwide

By: Nick

January 01, 2026

Thank you so much for taking care of…

Thank you so much for taking care of Lunas bills so promptly ..

Insurer: Trupanion

By: Donna

January 01, 2026

Our 5 yr Aussiedoodle01

Our 5 yr. old Aussiedoodle has had his share of claims and Embrace has been a lifesaver to us. We weren't sure if pet insurance was affordable or necessary, but it has proven to be both.

Insurer: Embrace

By: Tom Taylor

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