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 15, 2026

Claim processing needs improvement

Claim processing is slow and often claim agents miss documents already provided. Too often, I'd get an email saying I missed a document and had to reply with "No, the document was provided" for the claim to be thoroughly looked at and then it gets processes without me adding anything further. This all could have been avoided and quite annoying to deal with. Beside the claim processing issues, overall MetLife has been amazing to my pets.

Insurer: MetLife

By: Keilyn

Verified January 15, 2026

Got denied insurance coverage for this…

Got denied insurance coverage for this claim. Was deemed a pre-existing condition when it was not. The doctor even said that it wasn't. Now all the visits to fix my pups stomach problem is not covered

Insurer: MetLife

By: customer

January 15, 2026

I love Embrace Pet Insurance

I love Embrace Pet Insurance. I've had Illness and Injury insurance for my cat since 2014. Embrace has been helpful and given me all the info I need to get his treatments reimbursed (sometimes I get reimbursement in 2 days!). If you have a pet, get Embrace Pet Insurance, it's worth it!

Insurer: Embrace

By: Tarre Beach

Verified January 15, 2026

I submitted the claim on Tuesday and…

I submitted the claim on Tuesday and reimbursement was deposited within a week! Amazing!

Insurer: MetLife

By: Julie Nelson

Verified January 15, 2026

Great Company by your side

We have used Trupanion for years, never had to do a claim, thankfully. But 2 weeks ago our dog had pyrometria and needed surgery, We submitted the invoices from the Vet and 3 days later we had our money. Amazing!

Insurer: Trupanion

By: Jeffrey

Verified January 15, 2026

When I called

When I called, the woman answered all of my questions and I wasn’t expecting 50% back and that was a great surprise so thank you

Insurer: Pumpkin

By: Holly

Verified January 15, 2026

I was very skeptical on taking pet…

I was very skeptical on taking pet insurance and did not with my last fur baby. This time, however I tried Trupanion. They were terrific and very easy to get Pet insurance with. I’m happy I did ! They pay the vet direct which is very convenient for me. I had my first and second claim already and they were fast fast fast in paying the bill. Thank you Trupanion. You never know a time you need pet insurance.

Insurer: Trupanion

By: Fifi

Verified January 15, 2026

Quick response and quick reimbursement

Quick response and quick reimbursement

Insurer: Pumpkin

By: christine

Verified January 15, 2026

Simple application with timely review

We were looking at changing our pet insurance since we had to add another pet. Our previous company had substantially increased our cost, with no changes in coverage or the health of our cat. I submitted the straightforward on-line application, and received a notice in the mail five days later about the policy being approved.

Insurer: Nationwide

By: Cathy

January 15, 2026

Pets Best has saved my cats life!

"I'm so thankful I have this insurance! I always get back way more money than I imagined I would! My Sphynx cat needs frequent and expensive heart scans, as well as medications. I highly recommend Pets Best to everyone! The insurance literally saved his life as I wouldn't have been able to afford all the vet visits, scans and medicines. It's hard to put the money out upfront, but Pets Best is very fast to complete my claims and get that money back to me. "

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