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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Pet insurance is so picky!
I thought I would like MetLife pet insurance more than my previous provider because MetLife covers prescription food and doesn’t have access to maximum that they cover for each diagnosis but they make it so hard to get a claim covered. I work for a vet so I know the system, provide SOAP notes and all invoices. Every time I submit I claim I get an email a few days later saying they are missing the Soap notes I already sent in, or my invoice from an online retailer (that my vet told me to order from) doesn’t show the pets name on the invoice. When contacting the retailer they tell me there is no way for them to put the pets name on the invoice. This is unacceptable, it should enough that my pets records say it was prescribed or recommended and then they receive an invoice for it. I do not start a claim until I know I have all the required documents and then I am still asked for more.
Insurer: MetLife
By: Christina
Great job by Fetch!
They were able to obtain our pets records when I was having a hard time getting into the site. Once i was able, the response time was right where they said it would be.
Insurer: Fetch
By: Michael Sullivan
I’m impressed with MetLife pet insurance
I’m impressed and surprised how great this insurance company is. I adopted two cats and the shelter recommended MetLife. So far I have gotten 95-98% claim reimbursement. Best part is the policy covers annual vaccinations, tests and exams and an annual dental cleaning without having to buy a separate wellness plan which most pet insurance companies make you do. And they have covered my one cat’s allergy medication and prescription food. I have recommended MetLife to my veterinarian and friends.
Insurer: MetLife
By: customer
Met Life has been wonderful
Met Life has been wonderful. Very responsive and so easy to file a claim and be reimbursed. I have never had pet insurance until this year and I wish I had done this years ago!
Insurer: MetLife
By: Karen
Although I am not good at computer…
Although I am not good at computer things, I did the best I could sending the info and I’m assuming they got in touch with my vet for more info, leaving me out of it which was nice. Pretty quick response too
Insurer: Fetch
By: nancy thomas
No Common Sense
What went wrong was when I signed up my new puppy, the wellness policy was not added. I turned in a claim, and it was denied. Now, I have another dog signed up for almost a year. Common sense would tell you to sign up the dog for wellness when I said I wanted the same thing the first dog had. Then I spoke with someone else, and they said I could add wellness. I would have to pay over $400.00 because it would have to be backdated to before the dog was born. Senseless!
Insurer: Embrace
By: Elaine Holmes
Awesome Company, easy and fast claim processs
Easy and fast to process claims. Great coverage and your Customer Service staff are wonderful and very helpful..and all are located in the U.S. ! Id give you 10 stars, if possible. Carol K.
Insurer: Fetch
By: Carol
So happy I have Spot for my pups!
I have Spot Insurance for all 3 of my dogs. For the first time I submitted 2 claims for an injury on my 4 y/o dog. One for a specialist and the second for a CT scan. Spot paid the claims without any issues and very timely. I have heard horror stories about other companies. I couldn’t be happier with Spot!
Insurer: Spot
By: LAURIE MCCLAIN
Don’t buy Trupanion if you took your dog to the vet yet.
I have a puppy lab made the mistake of telling the vet he would eat some sticks and mulch sometimes days before I got truepannion and they now mark everything to do with swallowing foreign substances as a pre-existing condition and will not cover it low and behold he needs 4,560$ worth of surgery now for swallowing a toy/rock and they denied coverage I had to debate putting down a 4 month old lab because the Vets and Insurance company’s working together to insure the least coverage for an insurance cost you would put on a new car.
Insurer: Trupanion
By: Sal