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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Disappointed 10-Year, Loyal Customer
I was beyond disappointed to learn that the first claim I've submitted in almost a decade of paying into this insurance, was denied within seconds. I brought my senior dog in for emergency care after he showed a concerning change in behavior, a new mass on his shoulder, and he seemed uncomfortable. Relentless panting, pacing, hiding under our legs, and lifting his paw off the ground for 2 days, and a new mass had us fearing that he was in pain. After running a series of tests to rule out potential causes, we were relieved to learn that nothing glaring was found that would indicate an underlying issue. However, these tests were performed to search for causes of pain. How this would not be covered is beyond me. I have been a loyal and reliable customer for over a decade, and used this insurance only 2 times for minor issues in that span of time. The one time that I truly needed this insurance, I was denied. I am in the process of appealing this claim. If it is not resolved, not only will you lose a faithful customer, but I will make sure to share this review on every forum and platform possible- so that people can shop elsewhere when looking for trustworthy and reliable pet insurance.
Insurer: Trupanion
By: Jamie Derkacz
So far so good prices are creeping up.
So far so good prices are creeping up.
Insurer: MetLife
By: Akilah
Pet Parents… Run
I’ve had other pet insurance and Met Life is THE WORST!!!!! Every little thing requires multiple phone calls and emails. (1) It took almost a year, emails and phone calls to have electronic reimbursements rather than mailed checks. (2) Unlike other insurance companies (e.g., Nationwide), Met Life requires you submit SOAP notes for every visit. My veterinarians were confused and have never had this experience with other insurers. (3) When you submit all the requested paperwork, the claims examiners do not read it. They denied claims because a) they confused the pets on my policy, b) confused documents that were paid by prior insurers but were required for review of current claims, c) were deemed to be pre-existing conditions when my policy specifically exempted pre-existing conditions. (4) Met Life randomly cancelled my policy without telling me and after I incurred a large bill for my dog. It took multiple calls to fix this. Unless you have only 1 young animal, don’t use Met Life. At best they are not competent enough to handle anything complicated and at worst they are stealing premiums by not providing the contracted for services.
Insurer: MetLife
By: Emily S
Quick to process claims
I’ve had a great experience with MetLife pet insurance. Claims are very easy to submit through their app. They are quick to process claims. I would highly recommend them to anyone with a pet that frequently visits the vet.
Insurer: MetLife
By: Rick
Very easy to submit a claim and…
It was very easy to submit a claim and the reimbursement explanation was helpful and detailed.
Insurer: MetLife
By: customer
Totally worth it.
Claims processing goes quickly, and we're kept up to date.
Insurer: MetLife
By: CS- Minnesota
PREDATORY SCAMMERS
DO NOT use MetLife if you have a shred of intelligence. They are predatory, they only want to reel you in to sign up, but they will NEVER cover a claim. They will say everything is a preexisting condition even when it is CLEARLY accidental (I.e. foreign body ingestion). Horrible customer service. They do not care about you or your pet. They only care about money. Disgusting company.
MetLife is very easy to use and also…
MetLife is very easy to use and also prompt on payment.
Insurer: MetLife
By: customer
Loving My Pet and PetLife
Very easy to submit claims , quick turn around and love getting articles on pet health , safety and health
Insurer: MetLife
By: customer
Great to work with
When I purchased the policy the agent explained the coverages recommended for a puppy. I had two puppies at the time, that are now 2 years old. Since purchasing the policies for both my fur babies they have had sick visits and one hospital stay. I never though I would need pet insurance but I'm glad I chose Embace. I
Insurer: Embrace
By: Maggie Castro