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.

58,461 total


January 05, 2026

Absolutely the worst experience I've…

Absolutely the worst experience I've ever had with an insurance company. Submitted required information 3 times and no updates after almost 2 months of initial filing of claim. Hold times for customer service is 30-60 minutes every time I call for an update. Absolutely unacceptable.

Insurer: Pets Best

By: Laura Baumann

Verified January 05, 2026

Easy process to turn in claims

The process for turning in claims was very easy while dealing with medical issues

Insurer: Trupanion

By: Renee

January 05, 2026

Complete waste of money

Complete waste of money, maybe a total scam. I started my policy when my cat was 4.5 months old and canceled it after a year because he was recently diagnosed with IBD and embrace won't cover ANYTHING digestive related all because my little kitten had one instance of vomiting prior to my policy start date. He could have vomited for any reason, ie eating plants or food he's not supposed to, or eating too quickly, but because it was on his medical record embrace said they would not cover anything digestion related. So if his IBD turns into pancreatitis, lymphoma, or even if he just needs steroids to manage it, nothing would ever be covered. I'm furious. Embrace did not cover any of the numerous fecal, blood, checkups, emergency visits, vaccines, and ultrasound tests throughout my year of having it. Embrace doesn't do anything but take your money. Apparently AKC covers preexisting conditions so I'm switching over to them. On top of that, it was really hard to cancel because two of their listed phone numbers to call would not go through. I had to call the number to BUY a policy and ask them to transfer me to cancel. Total scam.

Insurer: Embrace

By: Josephine

Verified January 05, 2026

Positive Experience for over 3 years!

MetLife Pet Insurance has been a welcome addition in keeping my pet healthy and happy. It has been fair and efficient in gathering information and paying out any reimbursements owed.

Insurer: MetLife

By: SAS

Verified January 05, 2026

They covered exactly what they said…

They covered exactly what they said they would. And they did it within a few days, even with the holiday! I'm so thankful to have them. Help me with my dogs!!

Insurer: Trupanion

By: Renata

January 05, 2026

I had a friend suggest pet insurance a…

I had a friend suggest pet insurance a few years ago and decided to give it a try. My dog is healthy but we had an unexpected accident in October where he hurt his knee. Pets Best made the process easy and WAY less stressful. Pet insurance is a MUST, I will never go without it again!

Insurer: Pets Best

By: KCD

Verified January 05, 2026

Basically I had to upload the same…

Basically I had to upload the same documents on every claim. The documents uploaded were not centrally saved for reference and were not properly reviewed It was a frustrating experience.

Insurer: MetLife

By: customer

Verified January 05, 2026

My last two claims were handled quickly.

My last two claims were handled quickly.

Insurer: MetLife

By: Kathy K.

Verified January 05, 2026

claim process

easy claim process

Insurer: MetLife

By: Kobe

Verified January 05, 2026

Quick and easy claim service for both…

Quick and easy claim service for both my pets

Insurer: ASPCA

By: STEPHANIE

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