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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Always denied reimbursement
You always find a reason to deny a claim. I filled a claim for an injury to my dog’s eye. You denied it due to a pre-existing condition. Just because he had the same injury previously does not make the claim pre-existing. Since customers pay monthly throughout the year, they should not be time restricted to file throughout that year. The 3 month cut off for filing claims is not right. If customers paid their premium in full for the year, they should be able to file for that year. How is it right to not pay a previous year’s claim? I have filed many claims I have had only $22 out of hundreds of dollars reimbursed. This is not right Nobody likes being deny claims when they’re paying their monthly bill of approximately $1500 a year. I could’ve paid for everything my pet needed out-of-pocket. Instead I have incurred the cost in addition to paying your premium.
Insurer: MetLife
By: Susan
Used to be good
Used to be good. Then they just weren’t. Currently cannot access ANY of my policy information, coverage, file claims So far no fix. They said a few hours. It’s been days.
Insurer: Embrace
By: Tricia Demarest
My claim was taken care of quickly.
My claim was taken care of quickly.
Insurer: MetLife
By: customer
I had to call metlife with concerns…
I had to call metlife with concerns uploading documents the woman was very thorough and talked me through it. It's great for insurance and I got paid back half of the medical bills back!
Insurer: MetLife
By: customer
Easy to file claim
Easy to file claim. Got my reimbursement within 3 days.
Insurer: MetLife
By: Ana
Very easy process for claims
Very easy process for claims
Insurer: MetLife
By: Gene Xu
Disappointed in the communication from…
Disappointed in the communication from via Pet Cloud. I submitted a claim on June 12, 2026 which as of today, 6/28 it's still in review. Is this standard practice not to al lease communicate with me why it's taking so long? I continue to check the FIGO app...no resolution.
Insurer: Figo
By: Fran
I had a hard time uploading the…
I had a hard time uploading the paperwork; but i called the number and Nicole basically walked me thru it, which was nice. I was fed up and about to give up i didn’t and my rebruisement was deposited in 2 days.
Insurer: Fetch
By: Anna
I was able to get reimbursement quick…
I was able to get reimbursement quick and very easy. I took my cat to her vet appointment for her annual checkup and vaccinations that were due. I submitted the encounter form with the receipt that evening. Four days later my reimbursement was in my bank account. That was it! Quick and very easy. I am very satisfied with Pumpkin pet insurance and their customer service personnel who processed my claim. They did exactly what they claim in their company brochures. Bravo!
Insurer: Pumpkin
By: Rosa S