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.

63,140 total


Verified November 04, 2025

Fantastic Pet Insurance

No hassle. Only have to take a picture to submit a claim . Nice mobile app. Quick turnaround on reimbursement.

Insurer: MetLife

By: Karen Lofland

November 04, 2025

Beware, Healthy Paws is not what it seems

WARNING: Healthy Paws may look great at first, but once your pets get older, your coverage drops and your premiums skyrocket. We've been paying them since 2016, and now, despite having healthy but aging dogs, they've doubled our rate and reduced our coverage, forcing us to leave. DON'T FALL FOR IT. Look elsewhere and choose a reputable insurer who won't rip you off.

Insurer: Healthy Paws

By: anita clarke

Verified November 04, 2025

Quick to get reimbursed!

Once we submitted all the documents requested Healthy Paws quickly issued the payments and it was super helpful! Although the monthly premium went up at the renewal it's definitely worth it.

Insurer: Healthy Paws

By: WinstonO

November 04, 2025

Save your money

We have found Trupanion is very expensive, and be careful of the claims pay 90%, it never ends up being that, it's always significantly less, and we have yet to have claims that have not been bungled on some level. Save your money, pay yourself the premium and use that for your pets care. I cannot recommend Trupanion after our multiple experiences with them over the past 3 years.

Insurer: Trupanion Canada

By: Jacky

Useful
Verified November 04, 2025

Easy to use

Easy to use - upload, receive EOB, receive reimbursement right into account!

Insurer: MetLife

By: Swati

November 04, 2025

Very happy with Embrace

I have a senior dachshund who has frequent visits to his vet for skin, ear and heart issues. Embrace responds to my claims and reimbursement is directly deposited in my bank account within a few days. Also, Embrace makes it very easy to file a claim on line. Very happy with our choice of pet insurance.

Insurer: Embrace

By: Cj

Verified November 04, 2025

I am so glad I chose Spot

I am so glad I chose Spot. I have only had 2 claims but they have been felt with immediately and given us a good amount of money back. Thanks, Spot, we will stay with you!! Sally Gordon Napa, CA

Insurer: Spot

By: Sally Gordon

November 04, 2025

Easy to submit claims,

Easy to submit claims,

Insurer: Embrace

By: JA

November 04, 2025

Paid for a policy and they deny all…

Paid for a policy and they deny all claims. Will be getting an ombudsman to contest.

Insurer: Fetch Canada

By: Kareem

Verified November 04, 2025

Easy claims filing

Easy claims filing and I got my funds back pretty quickly.

Insurer: MetLife

By: MissyM

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