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.

64,641 total


February 09, 2026

If I could rate them less than one star…

If I could rate them less than one star I would. Here is another company quick to take payments for a policy and then use every excuse in the world to not pay legitimate claims that filled claiming can’t be read not detailed,no response from Vet which according to their staff is not true. I have sent paperwork to them 6 times about two separate issues none of which have been resolved and are not trying to resolve. I am canceling this crappy company and having my card company reverse all payments because they don’t honor a Dame thing they say.

Insurer: Embrace

By: Donald Bayless

February 09, 2026

Thanks!

I submitted my paperwork and after review, I was partially reimbursed.

Insurer: Fetch

By: SERGIO MUNIZ

February 09, 2026

Had coverage with previous pets and we…

Had coverage with previous pets and we were very satisfied.

Insurer: Nationwide

By: Nora Lestein

February 09, 2026

I’ve had MetLife pet insurance about…

I’ve had MetLife pet insurance about 4yrs now and never really had a problem. My reimbursement turn around is pretty good and customer service is good.

Insurer: MetLife

By: Thalia

February 09, 2026

Very smooth claim submission

Very smooth claim submission. Fast approval. Helpful representative

Insurer: Fetch

By: Richard

February 09, 2026

Claim was processed quickly

Spot processed our claim quickly and efficiently. We were very pleased that 70% of the bill for emergency surgery was paid. I couldn’t ask for a better response.

Insurer: Spot

By: Kimberly Hinton

February 09, 2026

It is a simple process to get credited…

It is a simple process to get credited for my dogs vet bill as in pumpkins insurance guidelines. I love Pumpkin!

Insurer: Pumpkin

By: customer

February 09, 2026

You’re better off putting the money in a savings account

You’re better off putting the money in a savings account. I paid close to $3000 over the last 4 years of coverage. When I tried to make a claim that was only about $50 over the deductible, so with the 80% reimbursement rate I’m only getting $40 back, it was declined because they couldn’t verify that she was healthy for the previous 3 years I’ve had the policy. Due to their “cancellation policy” they couldn’t verify only refund half of the premium I paid yesterday.

Insurer: Fetch

By: Alexander Sindorf

February 09, 2026

MetLife had gotten much faster when…

MetLife had gotten much faster when processing the claims. What used to take to to a month is now handled in less than a week. Filing a claim with the app is easy.

Insurer: MetLife

By: customer

February 09, 2026

A must have for your pets process is so…

A must have for your pets process is so easy and funds come relatively quick. It has saved me so much money literally one visit pays for itself after deductible is met

Insurer: MetLife

By: Jeremy

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