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.

58,154 total


Verified January 18, 2026

MetLife makes submitting claims…

MetLife makes submitting claims EXTREMELY easy! I’ve used other insurances which make submitting claims a hassle which is the last thing you went to deal with when caring for an ill pet.

Insurer: MetLife

By: Christian G.

Verified January 18, 2026

Excellent

Helpful, efficient and easy to submit claims.

Insurer: MetLife

By: customer

Verified January 18, 2026

Friendly knowledgeable people

Friendly knowledgeable people. I've filed two claims and had them reviewed and reimbursed within days of the filing. No questions, no 'we don't cover that' or any other excuse to wiggle out of paying a claim.

Insurer: MetLife

By: Robbi

Verified January 18, 2026

Uploading my receipts to process my…

Uploading my receipts to process my claim on a Friday and to be reimbursed the following Tuesday or Wednesday of the next week is by far the fastest I’ve ever been serviced. I wish all healthcare was like this for humans!

Insurer: MetLife

By: customer

Verified January 18, 2026

Easy to file claim

Easy to file claim. Have been received reimbursement with no issue. They also offer coverage for preventative visits.

Insurer: MetLife

By: customer

Verified January 18, 2026

Ease of submitting claim big plus

Ease of submitting claim big plus. Also staff very helpful when I have called in

Insurer: MetLife

By: Marianne Reverberi

Verified January 18, 2026

Submitting a claim is very easy and the…

Submitted a claim is very easy and the turnaround is amazing.

Insurer: MetLife

By: customer

January 18, 2026

I have always been satisfied with…

I have always been satisfied with Embrace until I got my stray 8 wk old kitten in July.We took her to our vet the day after we got her. She was wormed and given flea and tic meds! I put her on our Embrace policy with our other two cats who are 8 yrs old!She was on long enough to be covered for an accident but not for an illness. We came home from church about a month after we got her and she could not put any weight on her leg! She was absolutely fine when we went to church! Since it was Sunday, we took her to the emergency vet! $700 later it was determined she had a soft tissue injury, nothing broken! We took her home and she was fine the next day, just limping slightly! Because no one witnessed what happened to her, Embrace said it could be a pre- existing condition and refused to pay! Before that Sunday, the kitten had no problems walking, nor has she been diagnosed with any problem to her leg since! Embrace has always been great with paying our other claims, but this one seriously fell through the cracks!!

Insurer: Embrace

By: customer

Verified January 18, 2026

As always, great service

As always, the claims process is quick and easy and I had my money in my account in less than a week!

Insurer: MetLife

By: Bette

January 18, 2026

Fetch horrible pet insurance

If I can get Fetch Pet Insurance, a zero I would they don’t even deserve a one star. They are horrible. I paid for insurance over a year and a half, and they denied every single claim I ever sent despite me sending the receipts. They are not bbb worthy and have almost 300 complaints What does that tell you.

Insurer: Fetch

By: Ingrid

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