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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Peace of Mind…
Excellent customer service from fellow pet lovers! Easy claim process and fast reimbursement directly to your account. Peace of mind having this policy for my cat Molly, particularly as she gets older.
Insurer: MetLife
By: Janice Blacksmith
Met Life for Cats is total ripoff
I got the accident and injury for all 3 of my cats. You have to fill out the claims yourself with tons of paperwork from the vets. My cat had horrible gums and broken teeth which were never made aware of until I went to the new vet. They are great, put in a claim for 10 teeth being pulled and infected and inflamed gums, claim was denied under pre-existing. $1,900 claim denied. Cancelling today
Embrace is a total scam
Embrace is a total scam. You are better off saving the premium money for when your pet needs to see a vet. Despite having received my vet records for the 12 month pre-policy Embrace is still withholding reimbursement for an emergency vet visit due to an insect bite 6 months ago. They are now requesting vet records from 4 years ago so they can keep hunting to try to find that pre-existing condition to get them out of reimbursing me. Beware.
Insurer: Embrace
By: Melissa Mowder
They don't pay! Worst pet insurance ever!
I have been paying monthly for pet insurance and every time I turn in a vet bill, they argue and don't reimburse as they're supposed to. I'm so upset right now because they have been taking my money every month, but they do not reimburse you! My vet has repeatedly sent them everything they needed, and even talked to them on the phone (8 times). They just kept finding every excuse to not pay. I do not recommend them! There's much better pet insurance out there. Met pet insurance, is a joke!! They owe me over $1,600.00.
Insurer: MetLife
By: Traci Laird
Claims are processed fairly quickly
Claims are processed fairly quickly
Insurer: MetLife
By: Debbie
Satisfied Customer
The entire process was easy. My claims were handled quickly and satisfactorily. I was updated regarding the process & timeline. I was reimbursed quickly and for the amounts I was hoping to receive.
Insurer: Fetch
By: Janelle
The most money I have ever wasted. Ever.
We insured our dog with Embrace her whole life. The monthly premium started at around $60 dollars and steadily increased over the years. Last year, we paid them nearly $5000 in premiums with barely any claims. On her 12th birthday, they emailed me, telling us we'd now have to pay $733 a month - $8,796 a year for a 10k yearly max. When I complained that there was no point, and that now I would never get close to getting back the thousands and thousands I'd put into the policy over the years, they gave me some different options, but only one set that would still "cover" my dog's recent injury. I use "cover" loosely, since they're still denying the physical therapy claims. I cannot believe that now, as my dog ages and really needs the support, we won't have any help for her or her ailments, after we worked so hard to keep her happy and healthy for so long. It seems like the people who work at this company care, but their model is so broken. Maybe the whole pet care and pet insurance industry is broken. I don't know. But save the money yourself. Set it aside while your pets are young and healthy, so you can support them yourself as they age. Trust me, overall, it will save you thousands.
Insurer: Embrace
By: Teresa C.
Once I learned what’s needed for…
Once I learned what’s needed for submissions it’s easy peazy
Insurer: MetLife
By: customer
No thanks
Easy to sign up, customer service is not good and daily email reminders are pushed to get your pet’s vet records. Had a question immediately after signing up, called customer support and got a recording directing me to leave a message. Left a message, called right back and now a rep answered. Wanted to cancel immediately but the rep assured me that they offered good service and she would call me back Monday (this was on Friday) I was in the middle of speaking with her and got disconnected. No call back and now 7:00 pm on Monday, haven’t heard a thing. I don’t trust that trying to file a claim with this company will be a good experience. Cancelling.
Insurer: Prudent Pet
By: Echosmom
Fast reimbursement
From claim submission to payment was less than a week. My pet's medical claims get paid faster than my own!
Insurer: Healthy Paws
By: Kristine Morimoto