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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Makes claims so simple and pays very…
Makes claims so simple and pays very quickly. Highly recommend.
Insurer: Spot
By: Karen Izakson
Preexisting conditions
I wanted to get pet insurance for my dog. This dog isn't two years old and is perfectly healthy. It's a Yorkie. This our second Yorkie. The last one lived 16+ years. She lost her teeth because of gingivitis. All we had to do is mention to our current vet that our prior Yorkie lost his teeth and we didn't want it to happen to the new dog. Suddenly the new dog has a preexisting condition. What a bunch of crap. But after all they are an insurance company that doesn't pay. What a surprise.
Insurer: Spot
By: Scot Woolfenden
I love how easy it is using fetch and…
I love how easy it is using fetch and how fast payment is received
Insurer: Fetch
By: Kathy
Great service and we were reimbursed a…
Great service and we were reimbursed a good amount!
Insurer: Fetch
By: Whitney Call
Exactly as advertised!
Website is very easy to use. Our claim was for a planned surgery. Submitted pre authorization which as approved within a week. It only took 2 days from submitting the claim to receiving the reimbursement. I wish my medical insurers were this good.
Insurer: Embrace
By: Elizabeth Morningstar
Claims speedy and efficient
Claims made through the app were quickly resolved with speed and efficiency.
Insurer: Fetch
By: Kathryn
Pumpkin always answers the phone
Pumpkin always answers the phone. I can talk to a human not a robot. They help you right away. They are always responsive to claims and the turnaround is very quick. I cannot stress enough how helpful and supportive they have been to me during my dog’s many visits to urgent care and ER!! I could not take care of him without Pumpkin!!
Insurer: Pumpkin
By: Suzanne
Take others' negative experiences seriously - find another pet insurance provider.
Guys - don't ignore the red flags/warning signs. Embrace Pet Insurance is as close to being a scam as it gets while still remaining legal. Do not fall for the marketing. Choose a different pet insurance provider! Read the other 1-star reviews - there's a common thread. People pay premiums for years while their pet is healthy, then the moment they need anything from Embrace, they're made to submit copious paperwork, which Embrace's claims agents then go through with a magnifying glass, broadly creating new diagnoses based on small remarks, like "scratched his ear" - oh, all ear infections are now and forevermore pre-existing. "Hind leg looks stiff" - now we will never cover any joint-related issues in any leg. When I talked to my vet about how insane all of this was, he asked me who my pet insurance was, and when I said Embrace, he rolled his eyes and told me to give up and switch, because he's had previous negative experiences trying to appeal denials with Embrace. You can actually get a sample of the type of treatment you will get by reading their replies to these reviews. Even in their replies to Trustpilot reviews, they use carefully crafted legalese - using many words to justify denied claims that, under normal common sense, should be covered. I've learned my lesson the hard way, cancelled my policy, and accepted that the premiums I've paid are gone forever. But if I can help you avoid the stress and frustration that comes with realizing that all the money you've put into Embrace for a peace of mind was for naught at precisely the moment you are most worried sick for your pet, then at least the money had some use after all.
Insurer: Embrace
By: George
This pet insurance is better than…
This pet insurance is better than others because of how it pays back costs, the amount it pays back, and the deductible. The online claim is easy to use, and processing happens very fast.
Insurer: MetLife
By: Dr. Verdell Marsh
Mostly posive experiences with claims
Mostly posive experiences with claims, but the submission process is a little glitchy and annoying.
Insurer: Embrace
By: George Horowitz