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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The company paid my claim fast with no…
The company paid my claim fast with no additional paperwork.
Insurer: MetLife
By: customer
Takes your money and will drop you if your pet has any issues.
Had coverage with them for 2 years, my dog had her first seizure a year into coverage, they covered the first visit for that ($180), she then had 2 more seizures 8 months later and those vet bills were significantly higher and they decided to deny coverage and illegally claim it as a pre-existing condition, despite covering the condition when the vet bill was only $180 eight months prior. Scam company, happy to collect your money when your pet is healthy, but will drop you as soon as you need their assistance. UPDATE: I called the number listed in the response below to discuss further and they told me they made a mistake covering the first seizure visit. So not only will they deny you once you exhaust your deductible, they will claim they made internal errors and deny all future claims once you actually need to use their benefits. Absolute scum. They even fired their CFO in March '25 for whistleblowing their unethical practices regarding denying claims, look up "Gordon Lavalette"
Insurer: ASPCA
By: Robert Sardinas-Wyssling
We bought Met Life Pet Insurance based…
We bought Met Life Pet Insurance based on a thorough review of cost vs. benefits. When we needed to renew our policy, their premium costs skyrocketed. We negotiated a little lower premium, and renewed with them again because one of our two dogs had a pre-existing condition requiring dental extractions. That surgery was performed 8/22 and Met life it seems has buried the claim and never paid it. Every time we call, they ask for the same information over again, or alternatively, they tell us the same story over again. No one seems to be able to help us get the claim paid. Beyond frustrated. My husband has spent endless hours in multiple conversations with customer support and no resolution. Today my husband is giving it is all, in an attempt to escalate the claim. Wish us luck!!!
Insurer: MetLife
By: Karen Codispoti
They make it very hard to get coverage…
They make it very hard to get coverage for some items prescribed by your vet. My pet needed a medication my Dr did not carry so I was told to order it online, but since it is a supplement they didn’t ask for the pets info and MetLife won’t accept the invoice without the pets name.
Insurer: MetLife
By: Catzeye
Where is the value?
Having worked in the insurance industry for 5 years many years ago, I have a basic understanding of how the “system works”. In our case, we are paying $981 annually - submitted $697 in claims over 3 years and Pets Best has only paid out $200. Where is the value?
Insurer: Pets Best
By: Kmac
Insurance was misleading
Insurance was misleading, did know I'd have to pay double that wasn't mentioned until the end of enrollment, when it was time to pay also recommended representative O spoke to prior told that because I have an older dog that somethings won't be reimbursed,now I feel I shouldn't have even paid for it.
Insurer: Nationwide
By: customer
Excellent processing
The protocols for claims is very straightforward. People taking care of the claims are working on them carefully and rapidly. I appreciate all the efforts. Thanks so much!
Insurer: MetLife
By: R. Bryant
Competitive Rates, But a Frustrating Claims Process
I chose MetLife because of the competitive rates they offered after my previous pet insurer drastically increased premiums. Unfortunately, the transition has been frustrating. Several vet visits and conditions were classified as “pre-existing” simply because they were covered under my prior policy. On top of that, every claim has been delayed, repeatedly requesting additional documentation—specifically the veterinarian’s SOAP notes. These notes have been submitted multiple times for each claim, yet the process stalls. Either the notes are difficult for MetLife to interpret, or there’s a systemic issue. If your claim isn’t extremely detailed and prescriptive, expect it to be denied.
Insurer: MetLife
By: customer
Review of processing claim
Sent in documentation regarding my fur kids surgery and it was approved quickly. Still waiting on payment.
Insurer: Fetch
By: TONYA EVANS
Excellent service, fast transaction
When I had problems uploading the documents, I was able to call them and gget step by steep instructions. The transaction was swift, got it back in less than a week
Insurer: Fetch
By: Artie