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 27, 2025

Very Slow Processing Claims

I submitted 2 claims early this month and they have not been paid yet. They are waiting for records apparently, but I checked with the vet today and all of her records were sent 5 months ago, so they should have them all. I sent a question to claims and haven't heard anything. I have not received any email communication from Embrace. Very frustrating.

Insurer: Embrace

By: Kim Johnson

October 27, 2025

Thank you ALL at Metlife for taking…

Thank you ALL at Metlife for taking such great care of my Solace and Zeke McIntire. It's such a comfort to know they are a priority and reimbursement is promptly received.

Insurer: MetLife

By: JoEllen McIntire

October 27, 2025

Super easy online claim filing and…

Super easy online claim filing and super fast reimbursement.

Insurer: Embrace

By: Angela Bennett

October 27, 2025

Fast and Efficient

The review was fast and efficient and I had my payment within a week. Sometimes these emergencies are quite costly, and it’s nice when the insurer doesn’t drag their feet and gets you the money you need to be able to care for your pet.

Insurer: MetLife

By: Elena

October 27, 2025

Seamless transaction and quick…

Seamless transaction and quick reimbursement.

Insurer: MetLife

By: Inv

October 27, 2025

Easy to submit and get paid

Easy to submit and get paid. Thank you!

Insurer: Spot

By: Hannah

October 27, 2025

Claim payment times are getting quicker.

Claim payment times are getting quicker.

Insurer: MetLife

By: Barbara Novak

October 27, 2025

They took another look

Typically I have been giving Embrace 5 stars and a few weeks ago I did. Since my dog had surgery for a cancerous mass, I dropped them down to a one, but am now giving them credit where credit is due. Although I had to work much too hard to get them to look at what made logical sense, they did and I am now happy with the reimbursement I am receiving for the claim. I have no doubt they will get back to a 5 in my mind, just not quite there yet. Thank you for listening to logic and making the right call.

Insurer: Embrace

By: Betsey Woods

October 27, 2025

Two claims submitted at one time, paid quickly

Two claims submitted at one time and within a week, received notification that claims were being paid. The website gives clear guidance on what documentation needs to be provided and uploading files is very easy. I've been so happy with MetLife Pet Insurance that I recently added my other two cats.

Insurer: MetLife

By: DLH

October 27, 2025

The representatives helped me pick the…

The representatives helped me pick the best plan for my pet without pressure. Claims have been processed quickly.

Insurer: MetLife

By: customer

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