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 06, 2025

Easiest company to submit claims to and…

Easiest company to submit claims to and they are very prompt in their response.

Insurer: Embrace

By: Julie Climer

October 06, 2025

Quick reimbursement!

Quick reimbursement!

Insurer: Pumpkin

By: Emily

October 06, 2025

I do not recommend them anymore

I wish I could say they were great! it takes long to get their results and they have no idea about animals they care for. They rejected my claim on my puppy saying that diherriea was a pre-condition (from 2 months prior!!!). What puppy survives 2 months of lose stools and they should know better that for puppies it is very common to have bowel issues as they get to anything. Poor judgement.

Insurer: Embrace

By: Esra Urkmez

October 06, 2025

Efficient Claims Processing

Very simple, efficient, and timely claims processing.

Insurer: MetLife

By: Brenda Portzen

October 06, 2025

My concerns:

My concerns: —quite expensive —why is back history submitted every time I submit a new claim? Are past files not saved? Pros —turn around time for claims is great! —having the option to submit claim by email versus SPOT website is great!

Insurer: Spot

By: Deborah Hyatt

October 06, 2025

Service

Initially Metlife used to take a longer time to reimburse but have improved over the months that I have been dealing with Metlife.

Insurer: MetLife

By: Natasha

October 06, 2025

Best thing for your pet

The app works really well. I see the vet and pay them. I get both the invoice and SOAP notes emailed to me. I submit my claim and within a few days my reimbursement is in my account. Responsive by phone and quick turnaround of my claims.

Insurer: MetLife

By: P. L.

October 06, 2025

Claims took forever to resolve

Claims took forever to resolve. Their pre-existing conditions make insurance worthless. Will be canceling.

Insurer: Embrace

By: Paul

October 06, 2025

Happy with MetLife…

I’m so glad to have MetLife pet insurance. They cover 80% of all cost for my dogs.

Insurer: MetLife

By: La Monica

October 06, 2025

My experience with submitting my first…

My experience with submitting my first claim was the simplicity of the process and the immediate response!

Insurer: MetLife

By: Isabel Chateau

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