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.

62,907 total


Verified May 15, 2026

Quick response!

I really appreciated the quick response and reimbursement. Feeling very thankful to know my pet has good coverage.

Insurer: MetLife

By: customer

Verified May 15, 2026

great

MetLife has been very responsive and fast with all of my submitted claims. Thank you MetLife.

Insurer: MetLife

By: customer

Verified May 15, 2026

Prompt response times and honored our…

Prompt response times and honored our policy.

Insurer: MetLife

By: customer

Verified May 15, 2026

I was very happy with the quick reimbursement

I was very happy with the quick turnaround in receiving my reimbursement. Also, there was always an email sent to keep me updated with the process so that I knew to log into the app to look at the status. There was a time that I needed to call and talk with someone over the phone and the person had excellent customer service skills. She went out of her way to be helpful, and I felt like it was genuine. I am so happy that I chose MetLife Pet insurance. I plan on having them has long as I have my cat.

Insurer: MetLife

By: Sherry Bancroft

Verified May 15, 2026

The people

The people. A great experience every time. No nonsense, no deceptive language - very straight forward policies, claims processed quickly.

Insurer: MetLife

By: Christine Reilly

Verified May 15, 2026

Fast and Easy

Very easy to file claim and very quick response and reimbursement.

Insurer: MetLife

By: MEG

Verified May 15, 2026

Excellent service

Efficient, easy to file claim, easy to receive payment

Insurer: MetLife

By: Kat

May 15, 2026

The worst

This is singlehandedly the worst insurance I've ever had the displeasure of being subscribed to. Didn't get a single cent back from the "completed" claims. I had to pay $2k+ for my kitten's Feline infectious peritonitis (FIP) within the last MONTH and had Embrace weeks before the visits AND the diagnosis. The tests, bloodwork, visits, compound medicine, they all added up to $2,000. I paid $125~ for Embrace membership (2 months) and they could only refund a measly $9. I cannot stress this enough... I'd rather pay $2,000 out of pocket five times every month than to have to pay $50 a month to Embrace ever again. Also their customer service is bad. I kid you not, within the same day, I waited for 20 mins for the first call, and 30 mins ON THE DOT for the other call. I was this close to hanging up. And they have the audacity to have a voice line in the hold-call that says they're rated top customer service by some company. That's real funny. Save your money, mental health, time, and your pet's time. DO NOT SIGN UP FOR EMBRACE PET INSURANCE. Actual thieves.

Insurer: Embrace

By: Zey

Useful
Verified May 15, 2026

The customer service was so help and work.…

The customer service was so helpful and guided me through steps. Even took all my questions with courtesy. The claim went faster than expected. Keep up the good work

Insurer: Fetch

By: Renee Johnson

Verified May 15, 2026

Thank you Trupanion

At an extremely stressful time, not knowing if our dog was going to survive, Trupanion made the approval process seamless with our vet. Trupanion allowed all of us to focus on diagnosing and treating our dog. As a result, our dog is still here and doing much better. We are all very grateful.

Insurer: Trupanion

By: Laurie

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