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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Don't Bother! They wont cover whatever it is...
They look for every excuse not the cover your pet! Unless you get their insurance when your pet is a newborn and has absolutely nothing wrong with them, everything is considered a pre-existing condition not covered by them unless it is 'resolved' first. My cat has a heart murmur, likely her whole life and super common in cats, and because a murmur is not curable, no vet visits or treatments to do with the murmur or checkups for the murmur are covered. I have been paying for a service I cannot use, and they refuse to provide a refund. I do NOT recommend this insurance UNLESS you only use it for very basic services on a perfectly healthy animal with 0 conditions prior to it being born.
Insurer: Nationwide
By: Dana
Constantly raising premiums, slow and not so great customer service
Your Pet Insurance is terrible. Every year you bump up my premiums by like at least $70, and your customer service is bad. Sometimes it takes weeks to process a claim, which is the same claim I submit every 50 days for my dogs heart medication. It takes weeks for your team to send the reimbursement check. Earlier this year, I had a claim that got processed and Explanation of Benefits wasn't generated, and I never got a reimbursement check, and I had to call back every 3 weeks asking why my check hadn't been received. Fortunately after the 3rd customer service person, they were able to identify it was because my Explanation of Benefits was never generated by your system, so the previous people I talked to didn't catch that and kept telling me my check was in the mail. I also one time had a claim that was resolved pretty quickly actually, however after it was resolved it said I'd receive $0 even though my deductible had been met and I should have received $167, so again I had to call your customer service to fix it. For the price I pay, and the fact you continue to raise my premiums year after year by a ridiculous amount of money, it takes forever for your team to process a claim and get me my reimbursement checks.
Insurer: MetLife
By: customer
Professional experiences …
Met Life has always handled our claims professionally over the past 4+ years. I've recommended this insurance to multiple friends and family members that have pets of their own
Insurer: MetLife
By: customer
Simple to Understand Coverage
The MetLife policy we have for our new puppy has provided excellent coverage during her first 1.5 years. We knew that there would be many routine vaccines and new puppy mishaps, and having the ability to choose 90% coverage and include wellness was such a great value. Other companies coverage and limitations vary by condition, but the Metlife policy is so straight forward with no headaches trying to understand what is covered or why it was not. An area for improvement would be in the processing of claims and properly reviewing all pages of the documents submitted. Sometimes claims have taken extra long. In the end, phone customer service is always pleasant and helpful and once the claims are properly reviewed, I've had no issues. I'm impressed by the simplicity of the coverage compared to other companies I've used in the past.
Insurer: MetLife
By: DMN
The reimbursement turn around is quick…
The reimbursement turn around is quick and efficient not to mention the coverage provided
Insurer: MetLife
By: Vanessa Davis
Great coverage available
Great coverage, easy to submit a claim, and quick payment. Annual cost is very high, compared to competitors.
Insurer: MetLife
By: Christine Martino
Good Premiums/Excellent Claim Process
MetLife is extremely easy to work with. Submitting a claim is a breeze! Rates are very competitive. I have told many pet owners of our positive experience.
Insurer: MetLife
By: Bill
I would highly recommend Metlife
I would highly recommend Metlife for pet insurance. This is the best pet insurance out there. Friendly caring and very knowledgeable staff. Very easy to place a claim if necessary. Helpful newsletters.
Insurer: MetLife
By: Jerseygirl
Do not spend the monthly fees they are…
Do not spend the monthly fees they are all the same won’t cover any emergency procedures
Insurer: Embrace
By: McFly Medina
Absolutely recommend!
MetLife is great to work with. The claim process is straightforward and their customer service is top notch.
Insurer: MetLife
By: Kate Conte