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.
61,181 total
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We liked the quick review to add a new…
We liked the quick review to add a new rescue to our family! Submitting claims and receiving payment is easy and quick. Thank you!
Insurer: Nationwide
By: Cindy
What did adoro do well during your claim?
Everything! I had chatted with someone online and they answered my questions. Then I filed my first claim, it got accepted and paid the same day.
Insurer: Adoro
By: Brenda
Very easy & user friendly
Very easy & user friendly. Making it easy to enroll your pet(s) & make claims!
Insurer: MetLife
By: Olivia Overdahl
Excellence in Efficiency
MetLife Pet Insurance is efficient, timely, and provides excellence in turnaround times with regards to receiving refunds on our vet visits for our little one.
Insurer: MetLife
By: Marci G.
I sent the invoices to Figo the next…
I sent the invoices to Figo the next day they were approved three days later I received my checks.
Insurer: Figo
By: Voughn Shellner
The turnaround was quick.
The turnaround was quick.
Insurer: Healthy Paws
By: Matthew Rice
Thought it was good, then it turned bad real fast
My cat has been to the vet several times in the past year. Long story short, we are working on diagnosing gastrointestinal issues and it took several visits to even realize that's what it was. I had no issues with claims until his past visit. They denied it, claiming that I didn't have the right medical records, so I tried for the next month to provide everything, but they kept denying it, despite me giving everything I had. Customer service wasn't helpful, but I finally got an answer out of them as to what they needed. I submitted the extra documents, and they instantly denied my claim with no explanation as to why. What am I paying for? I have been trying to get my coverage for the past month and they won't even give me my explanation of benefits to tell me why they are declining me. Unless this is rectified, I'm cancelling by this weekend.
Insurer: ASPCA
By: Noah Bucci
What is advertised is not what you get
It wasn’t clear when I started paying into the insurance plan that they do not cover emergency exams, or taxes. So instead of paying the $600+ that I expected, they only paid out $270. Their policy makes no sense and does not cover the things that are needed. I am truly disappointed.
Insurer: Trupanion
By: Andrée Lamarre
Most things that I needed were not…
Most things that I needed were not covered. So by the time I paid the premium and the cost of the service I basically broke even which saved me $0 hence rendering the insurance useless.
Insurer: Figo
By: Yikina Parker
DO NOT PURCHASE
If I could give Embrace a 0 I would! Genuinely don't even bother getting pet insurance at all. After submitting almost $1,000 of vet bills, Embrace reimbursed $0 of it. Mind you, this was after months and months of trying to get them to even review the claims. They claimed that our cat had a preexisting condition (a fully healed Upper Respiratory Infection she had while she was in the shelter) even though the vet literally stated in the first appointment that this was NOT the issue, and even after spending hours on the phone with them, Embrace only conceded to reimburse us $98, which is well under what we are owed. We are cancelling our plan immediately and are beyond disappointed in not only the pet insurance itself but the staff who seem entirely unempathetic and unable to use a single ounce of logic in assessing claims. Update: See their stupid response to this? Did they even read the review? This type of response is exactly the issue with Embrace. In my review, I clearly stated that my cat did NOT HAVE A PREEXISTING CONDITION not even in the terms you defined it in the policy contract. Also, absolutely hilarious to say you "see a team member has provided additional information" in reference to an automated email response confirming the cancellation of my insurance plan. Don't act like you did your best attempt to right this situation; all you guys want is to take our money, you really could not care less about the health and wellbeing of the animals involved.
Insurer: Embrace
By: Lucie Edwards