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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Easy to use!
Easy to submit claims and fast turnaround. Thank you.
Insurer: MetLife
By: Terri Minor
They have been a great service to have…
They have been a great service to have with all my dogs health issues. They have reimbursed all my claims.
Insurer: MetLife
By: Jamie
So far its a disappointment
Since we began in July, there has been constant confusion, declined claims because of missing paperwork or additional paperwork required. The claim details are muddled together making it impossible to understand or know what has been received and acknowledged and what hasn't. We have been working on our first claim for over 100 days already and we are still not fully resolved. The process is a client nightmare and since Customer Service is separate from claims, every time we talk or submit something its another 3-5 business days to find out something else is wrong. While the CS agents are trying to help, they really can't when the claim agent isn't present to help. Communication back was poor, nothing was clear as to what was missing, its impossible to reconcile the invoices back to the claim# and condition categories. I didn't make any progress at all until we asked to have a supervisor intervene. James has been the saving grace so far. But when your pet has an illness, all this is the last thing you want to have to deal with.
Insurer: MetLife
By: Sangeeta
A must have for pet parents
I've had metlife for about 9 years or so now, back when it was petfirst, they have always had reasonable prices and great coverage. I also love you can build the policy to meet your needs also filing claims is super easy and getting reimbursed is super fast. I also love their customer service agents who are helpful and address any concerns you may have.
Insurer: MetLife
By: Kimberly Evans
If you love your pet, Get Metlife for their health
We love Met Life pet insurance because they cover most all Vet charges & Metlife is expedient in getting our claim reviewed & paid. Veterinary visits are very expensive so this makes us more welling to take our pet to the vet to keep her healthy for a long time. All our experiences with Metlife pet insurance has been very favorable. We would highly recommend Metlife to everyone.
Insurer: MetLife
By: Gary & Cheryl
I feel like MetLife seems to Delay in…
I feel like MetLife seems to Delay in reimbursement of processing. This area needs to be somewhat improved
Insurer: MetLife
By: customer
Sending in bills is easy
Sending in bills is easy. They cover everything with a fair copay amount
Insurer: Fetch
By: Joan
App is a Mess
Let me start by saying that I have never had an issue with MetLife until recently. The app needs work. When you submit claims for more than one pet it is VERY confusing. After submitting my claim, I couldn’t determine if it submitted/submitted correctly through the app. I had to just email it which was way better for me. Also I was told that because I submitted both claims incorrectly that someone would be in touch within 24-48 hours. It took a week and a half before that happened only because I was persistent.my claims took two weeks to get paid off.
Insurer: MetLife
By: Joy Cooke
Not worth it
I bought Embrace pet insurance for emergencies and did not add the wellness package. When my dog had a true emergency at two in the morning (throwing up blood and pooping blood), my claim was denied as “wellness.” This has happened every time I make a claim. Without the wellness package they do not seem to cover anything, so I would not recommend this insurance.
Insurer: Embrace
By: SHANNON
Do not purchase a policy with Spot
I regret going with Spot Insurance and paying upfront for a year. So far they have denied my claims, saying that it's a pre-existing condition. However, my cat was never treated for any of the issues before and the things he was treated for are in no way related to the claims I submitted. They make it impossible to get in touch with customer service to dispute a claim. Can't email or chat online - can only call. However, each time I tried to call I sat on hold for over 30 minutes before giving up. Do not go with this company. There has to be better options out there.
Insurer: Spot
By: Nikki