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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I couldn’t imagine being a pet owner…
I couldn’t imagine being a pet owner without metlife pet insurance! It makes the cost an after thought and allows me to keep my dog happy and healthy and not worry about the price of treatment. Payment is reimbursed to me within days. It’s so easy to take a picture of the invoice and upload it. All pros no cons!
Insurer: MetLife
By: Stephanie
Reassurance of coverage for catastrophic medical event
As a longtime pet parent of cats and dogs, I understand the commitment to their health and wellbeing for their lifetime. But when an unexpected catastrophic medical condition or injury occurs, I feel rest assured that Trupanion met my expectations. This was my first time filing a pet insurance claim. My 2 year old kitten needed surgery to figure out why she was continuously vomiting. X-ray showed something suspicious, but we couldn’t figure out what it was. Thank you, Trupanion.
Insurer: Trupanion
By: TerryLynn
Claim process was easy and quick.
Claim process was easy and quick.
Insurer: MetLife
By: Lora
Hooray for MetLife
Our dachshund has many, many health issues. If not for MetLife, we could not possibly give her the care she needs. I had never had pet health insurance before, but she came with it from the rescue, and thankfully, we continued it. It has saved her life (and ours) many times. I highly recommend MetLife.
Insurer: MetLife
By: martha mosley
Amazing response time for approval
Amazing response time for approval. Fair with what they cover. I'm so glad I had insurance - it saved me a bundle on my dog's back surgery.
Insurer: Trupanion
By: Cheryl
Opaque website. Feels like a rip-off.
The website is very opaque. Claims are difficult to follow. No easy reference from the claim- making it difficult with multiple claims. "Claim closed" does not indicate if paid. No direct reasoning for denial. It takes a couple of windows to get to that point and at that is useless. Email communication is misleading. Always "we're on it!" but no follow up if denied. Insured should not have to go through this much hassle just to see if a claim is covered and should not have to be the intermediary between the vet and ins. co. Need to call to get answers. Even at that, ofter useful information is left out.
Insurer: Trupanion
By: Gail
Refusal of bill
After dealing with increasingly high premiums when the dog got older, they only reimbursed 25% for a cancer diagnosis. I had major medical coverage and was paying $245 a month when our boy passed. I will seek another company if we ever get another doggie.
Insurer: Nationwide
By: Warren Hartwell
When we signed up
When we signed up, they didn’t tell us they would be nit picking the vet bills apart, and only be covering partial payments.
Insurer: MetLife
By: Barbara
Great customer service and prompt…
Great customer service and prompt reimbursement.
Insurer: MetLife
By: Brenda
Watch out for Embraces Renewals
I’ve been with Embrace for years and just received my renewal notice. The new premium is $918.31 per month. That is over $11,000 per year to insure two senior pets. For comparison, my current billing shows $279 per month . So we are talking about going from roughly $3,300 per year to more than $11,000 per year at renewal. That is not a modest increase. That is a financial shock. What makes this worse is that they have never paid a single claim since I purchased the insurance. Reimbursed to date is $0. So after years of paying premiums, the first major interaction at renewal is a massive rate increase. Yes, the explanation includes rising veterinary costs, age adjustments, and actuarial reviews in California. I understand that premiums change. But tripling the annual cost feels less like risk adjustment and more like pricing customers out once their pets are older. Insurance is supposed to provide peace of mind. Instead, this feels like you are paying faithfully for years and then being presented with a bill that makes you question whether coverage is even sustainable. If you are considering pet insurance, do not just look at the monthly number. Convert it to an annual cost. When someone says $300 per month, that is $3,600 per year. When it becomes $900 per month, that is more than $10,000 per year. Do the math before your pets age into a pricing tier that makes staying insured feel impossible.
Insurer: Embrace
By: Alfred Somekh