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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Your system is beyond confusing and…
Your system is beyond confusing and provides no direction on how to move a claim forward. This last claim you told me information is missing and then proceeded to process it anyway. No one reaches out to you on the information missing from the claim either. As pet owners, my focus is getting my pet back to normal, not chasing down information for a claim when I already provide you with the documents you asked me for. If you want more documents, ask for more documents. I send an itemized invoice, the SOPs and the pet history everytime and several of my claims have been denied. For what reason I don't know. I hesitate to recommend METLIFE to others because the process is not seamless at all and there is zero communication on METLIFE's end. I have yet to speak to a live person about any of my claims. If information is needed, metlife should reach out or send a reminder that info is needed before the claim is closed. Once a claim is closed someone should reach out to see if there are any questions on the claim processed or at the very least a courtesy call to ask if the pet is doing okay. This experience has been anything but personable. There is no chat bot to offer help, there is no agent handling my case and reaching out, there is nothing. It's a guessing game and a game of rulet on whether or not they accept the claim or not.
Insurer: MetLife
By: customer
My dog was diagnoised with Splenic…
My dog was diagnoised with Splenic stromal sarcoma in Nov 2025. Her spleen, the mass, a a portion of her liver was removed. It was malignant. She been under going Chemo every 2 weeks. The financial expense was staggering. I am so grateful to have Healthy Paws Pet insurance. Not only have they paid 80% of the medical bills but, it is done in such a easy process. I filled a claim on a Friday and by Monday the funds were in my checking account. The best customer service during this trying time. They also follow up to chek on my dog. I highly recommend Healthy Paws Pet Insurance to everyone who has a pet. Affordable, low deductible and outstanding customer service from a company who cares about you and your pet!
Insurer: Healthy Paws
By: Susan Lemieux-Cortez
Never covers anything
Never covers anything; more expensive than other insurances; every year it seems the costs go up and the coverage is less. They say they’re here for you and available 24/7 and then they find ways of not covering in the way other insurance companies would.
Insurer: Trupanion
By: Kristina
They paid the appropriate amount for…
They paid the appropriate amount for the appropriate test.
Insurer: Trupanion
By: Patricia Regan Geoghegan
It was very positive as the vet clinic…
It was very positive as the vet clinic we went to accepted Trupanion they made the phone calls to you and got your approval for treatment for Oliver and we paid the difference,no paperwork on our part which was great? Thank you for your great service Ed Calleja
Insurer: Trupanion
By: Edward
Embrace is a fantastic Pet Insurance
Embrace is a fantastic Pet Insurance. It has met my Dogs needs for almost 3 years. It has been great!
Insurer: Embrace
By: Dierdre Toomey
In 10 years our monthly payment went…
In 10 years our monthly payment went from $50.00 per month to $156. As well my dog went in to have a lump removed on his leg , the vet found another growth and removed it . We were two deductibles because the were two different type. I am now paying just $2000.00 per year for insurance.
Insurer: Trupanion Canada
By: Bert Thorne
The care team is always kind and…
The care team is always kind and courteous. Claims are always processed in a timely fashion.
Insurer: Trupanion
By: Alexis Cino
Warning about Spot
Spot has drastically changed over the last year and is now aggressively pursuing claims denial. They were largely taken over by a large holding company called IPH who now control all underwriting and claims. They were a well respected and good company who established a better reputation than competing brands. Here’s a real life example of the aggressive and unethical practices: I have a current claim pending for $400 and appropriate vet billing and medical records were provided. They are denying the claim because they have not received medical notes from three additional vets. Well the catch is that she has never been to these three vets. They were vets who saw 2 of my other dogs over the last 1.5 years. Although I have offered to obtain verification from these vets spot declined this and has said the claim will be closed unless they receive medical records. Bizarre but true. My only recourse is pay an attorney serial times what the claim is worth or go to my states insurance commissioner, but they need to see that some sort of specific law or regulation has been violated. The bad news is that at this time the Pet Insurance industry has been able to function largely unregulated, meaning they are able to make decisions based on their own assessment of claims as long as they don’t overtly break the law. I have had health insurance for my Pets over the last 10 years and have seen this trend not only in Spot but in other companies especially over the last three or four years.
Insurer: Spot
By: Jim Saxon
Long wait times
Aspca pet insurance has way too long wait times for reimbursement, choose carefully
Insurer: ASPCA
By: Kathleen Metro