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.
64,657 total
Other Categories
It was easy to figure out what was the…
It was easy to figure out what was the best way for our cat and get him future help
Insurer: Nationwide
By: Richard Loewen
MetLife came through for me and my dog…
MetLife came through for me and my dog big time with CCL surgery. I was very skeptical, given the industry, and I did a ton of research. MetLife covered everything they said they would. It has been a completely frictionless process, and pretty fast claim review and immediate payment. Customer service has been fantastic. I can't believe I'm saying this about an insurance company. We'll see if my rate goes up after one year...
Insurer: MetLife
By: customer
Use of submitting claim superb!
Use of submitting claim superb!
Insurer: MetLife
By: customer
Very helpful customer service and user…
Very helpful customer service and user friendly website for submitting claims as well as quick payouts
Insurer: MetLife
By: Sheila Zack-Harrison
They don’t pay claims even though it’s…
They don’t pay claims even though it’s within the policy. They’re the worst. Stay away from them.
Insurer: MetLife
By: customer
Aggressive (!) premium increases when there’s a claim
Embrace was actually great for the first couple years—but wait until you submit an expensive claim. Initially, the premium was high but manageable. Last year, my cat required surgery and Embrace more than doubled my premium this year. My cat has no other medical issues and nothing the surgery didn’t correct, and my premiums now amount to $3400 per year (truly). What’s the likelihood my healthy cat’s bills will amount to more than that every year going forward? Just about nil. Embrace tries to push out customers with claims—or to recoup everything they paid out within a couple years. That’s not how insurance is supposed to work. Healthy pets with no claims are supposed to subsidize my cat’s bills when he’s sick (and vice versa)—insurance payments shouldn’t be a loan where the insurance company tries to get back from me every penny they paid soon thereafter. So disappointing!
Insurer: Embrace
By: Kim
Metlife has been a life saver for my…
Metlife has been a life saver for my pets. With two young dogs and two cats, vet bills can get out of hand - especially when a fur baby gets sick. The claims process is easy, and refunds come quickly - no drawn out process, and everything is processed according to policy without a bunch of B.S. I'm very thankful for the coverage and the reasonable cost of insurance.
Insurer: MetLife
By: Christina
I signed my first puppy up online
I signed my first puppy up online. I added a 2nd puppy today and called in. I talked to Nadine, she was fantastic. Explained things I definitely did not notice online. I haven't used yet, and hope to never need to. However, if I do I feel confident that I haVe good coverage.
Insurer: Fetch
By: Leigh Ann Teubert
First claim experience.
Easy to file claims and quick response.
Insurer: Healthy Paws
By: EK
New Plans Just Make Things More Complicated
I was told my pets' type of coverage plan was no longer being offered so I canceled. Spoke to a rep about their changing plans and got on their new plans, but now my pets have "pre-existing conditions" (which came into existence under the original plan). Definitely feel like this situation should have been handled better. I'm not a new customer. Additionally, their new plans don't offer the same coverage as the discontinuing plans, and there are a whole new set of restrictions that come with them. Pretty disappointed. But it's not like there's anything better. Insurance sucks no matter who it's for. Now it just sucks more.
Insurer: Nationwide
By: Adriana Lovejoy