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


October 31, 2025

I like how quickly you send a check as…

I like how quickly you send a check as soon as I put in a claim. Everything goes in so nice and smoothly.

Insurer: Pumpkin

By: Menyon

October 31, 2025

We're very happy with our MetLife Pet…

We're very happy with our MetLife Pet Insurance. We adopted an older kitty (10 yrs) and didn't know his medical history. We've had a couple minor issues and MetLife has been great with their coverage. With vet prices rising it's been very helpful with covering his annual wellness appointments, and will certainly come in handy for any future issues as our kitty gets older.

Insurer: MetLife

By: GL Wilkins

October 31, 2025

Not always reliable

At times they are great, but they also don't follow-up when they tell you they will. I had a situation, and I was told it would take a few days for her to get back to me. It has been about two weeks, and I still never heard back from her, and they denied my claim anyway.

Insurer: MetLife

By: Brenda

October 31, 2025

Great Insurance but Software is below par

Embrace has been fantastic in their coverage of our 2 Golden Doodles and our newest member of the clan, a 4 month old Tortoise Shell kitten. My only criticism of Embrace is their Web Site. The software seems to hang up and not submit the claim at times. Perhaps a software upgrade would be a great idea?

Insurer: Embrace

By: Joel Martin

October 31, 2025

Amazing pet insurance

Amazing pet insurance. I now have peace of mind where my 3 dogs' health is concerned. I know I can get them the treatment they need when they are sick or injured. I am always reimbursed in a timely manner.

Insurer: Pets Best

By: Robin Rodriguez

October 31, 2025

Fast processing time

Fast processing time! Clear and concise feedback on the claim and reimbursement details.

Insurer: MetLife

By: Bora

October 31, 2025

Healthy Paws was incredible!

Healthy Paws was incredible in helping with Ally's treatment. I was hesitant in opting for TTA surgery after trying several conservative steps (rest, NSAIDs, and a brace) but ultimately it was necessary. Healthy Paws covered a huge portion of the surgery and checked in to make sure Ally was doing well. I can't say enough great things about their support!

Insurer: Healthy Paws

By: Susan Dunn

October 31, 2025

The coverage is great, but claim order and customer service need work.

I love the coverage, and generally I love having met life however the way claims are completed, the order in which things are done, and the absolute monstrosity I ran into a month or so ago when attempting to rectify an issue that happened on MetLife’s end from how it was explained to me, was extremely frustrating and if it continues I will consider another company.

Insurer: MetLife

By: customer

October 31, 2025

Great, first time experience

The girl that helped me fill out the claim form was so helpful and patient. I expected the claim to be denied, but was so surprised when it went through so quickly. in the beginning I was skeptical about getting my dog health insurance but now I’m glad that I did.

Insurer: Spot

By: Josh Blatchford

October 31, 2025

We have had MetLife pet life insurance for our two Doodles

We have had MetLife pet insurance for our two doodles for the last three years. One of our doodles, Harley, is getting up there in age (arent’t we all?) and has had more vet visits than we or he would have liked. There are two pieces of really great news: (1) Harley is almost 15 1/2 years old and is doing great; and (2) MetLife pet insurance has been amazing, including phenomenal customer service. We very much appreciate it . . . and so does Harley.

Insurer: MetLife

By: AMS

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