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


November 17, 2025

Great at getting online quote and…

Great at getting online quote and purchase process. some wrinkles need ironing out as sometimes the quote gets lost and not able to be retrived. Also tried calling on weekenf but they are closed! ;-( I did end up purchasing insurance online and happy overall with process and SAVINGS!

Insurer: Sonnet

By: Nick Pitt

November 17, 2025

Scam insurance, very bad !!!

They say they cover one visit to the vet per year, some tests, and I was paying for this for three months and it didn't cover anything at all, even though my cat had several visits to the vet and I uploaded the documents and a few minutes later they canceled it and didn't cover anything. Then they said they would call me, but they never did. I called back and they told me it was being processed. Weeks went by and they never called. I ended up canceling because what I was really doing was giving away my money. Why pay for insurance if it doesn't cover what it says is included in the plan you pay for? It's just a scam. It only takes your money away. Money

Insurer: Pet Assure

Veterinarian: Ridge Road Animal Hospital

By: Andrea

Useful
November 17, 2025

Incredible experience with pet plus us

I have to make over $7000 in claims this past year of multiple vet appointments and procedures. Pet plus us has been so easy to deal with to get our claims submitted and approved. Our dog has severe allergies that affect his ears quite severely and the treatment is extremely expensive. Pet plus us has helped us immensely with this condition and we are so thankful for their help and grateful we have insurance.

Insurer: Pets Plus Us

By: Andrea

Useful
November 17, 2025

Pet insurance is so picky!

I thought I would like MetLife pet insurance more than my previous provider because MetLife covers prescription food and doesn’t have access to maximum that they cover for each diagnosis but they make it so hard to get a claim covered. I work for a vet so I know the system, provide SOAP notes and all invoices. Every time I submit I claim I get an email a few days later saying they are missing the Soap notes I already sent in, or my invoice from an online retailer (that my vet told me to order from) doesn’t show the pets name on the invoice. When contacting the retailer they tell me there is no way for them to put the pets name on the invoice. This is unacceptable, it should enough that my pets records say it was prescribed or recommended and then they receive an invoice for it. I do not start a claim until I know I have all the required documents and then I am still asked for more.

Insurer: MetLife

By: Christina

Useful
November 17, 2025

Great job by Fetch!

They were able to obtain our pets records when I was having a hard time getting into the site. Once i was able, the response time was right where they said it would be.

Insurer: Fetch

By: Michael Sullivan

November 17, 2025

I’m impressed with MetLife pet insurance

I’m impressed and surprised how great this insurance company is. I adopted two cats and the shelter recommended MetLife. So far I have gotten 95-98% claim reimbursement. Best part is the policy covers annual vaccinations, tests and exams and an annual dental cleaning without having to buy a separate wellness plan which most pet insurance companies make you do. And they have covered my one cat’s allergy medication and prescription food. I have recommended MetLife to my veterinarian and friends.

Insurer: MetLife

By: customer

November 17, 2025

Claims are so easy to do!

Claims are so easy to do!

Insurer: Embrace

By: Harry

November 17, 2025

Met Life has been wonderful

Met Life has been wonderful. Very responsive and so easy to file a claim and be reimbursed. I have never had pet insurance until this year and I wish I had done this years ago!

Insurer: MetLife

By: Karen

November 17, 2025

Although I am not good at computer…

Although I am not good at computer things, I did the best I could sending the info and I’m assuming they got in touch with my vet for more info, leaving me out of it which was nice. Pretty quick response too

Insurer: Fetch

By: nancy thomas

November 17, 2025

No Common Sense

What went wrong was when I signed up my new puppy, the wellness policy was not added. I turned in a claim, and it was denied. Now, I have another dog signed up for almost a year. Common sense would tell you to sign up the dog for wellness when I said I wanted the same thing the first dog had. Then I spoke with someone else, and they said I could add wellness. I would have to pay over $400.00 because it would have to be backdated to before the dog was born. Senseless!

Insurer: Embrace

By: Elaine Holmes

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