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


December 27, 2025

Forever waiting

I have been waiting for a review of my submitted claim for almost 3 months. After I tracked down all the information Embrace requested to rule out a pre-existing condition, I continue to wait on their response. Don’t waste your time trying to reach a human on the phone. The wait is almost always over 1/2 hour and it could be more but I always end up hanging up. Additionally, the website always has glitches and redirects me to an unresponsive page. I’m not sure what’s going on with this company but I’m willing to wait and see how they respond to my claim.

Insurer: Embrace

By: Elizabeth Francis

Verified December 27, 2025

The review of the claim was fast

The review of the claim was fast, and I received the payment just in a few days.

Insurer: MetLife

By: Tami Ujiie

Verified December 27, 2025

Pet dog struck with epilepsy, MetLife was there to support us

Taking care of my pets is made so much easier with MetLife. When our dog started having seizures, I didn’t think twice about getting her the emergency care she needed, knowing full well it would be expensive but MetLife would have our back.

Insurer: MetLife

By: customer

Verified December 27, 2025

Best Insurance Out There

We have 2 of our pups insured since they were puppies and it was the best thing we've done for them. One of them is super healthy so we've only had to use the insurance a couple of times due to accidents. However, our other baby is a sickly one and Healthy Paws has been a life saver when it comes to being there to help us lift that financial burden that comes with it. The turn around for refunds is so easy and so fast. I recommend this pet insurance company to those looking for the best care to protect their loved ones.

Insurer: Healthy Paws

By: Evelyn Carrillo-Barahona

Verified December 27, 2025

MetLife pet insurance is a great company

Metlife pet insurance is very easy to navigate. We’ve had other pet insurance that tried every way possible to keep from paying on a claim. MetLife’s app is great for submitting claims and usually the payment is sent in the promised time.

Insurer: MetLife

By: customer

Verified December 27, 2025

great coverage

great coverage, reasonably priced and easy to submit claims. Even covered our dog's CCL surgery!

Insurer: Healthy Paws

By: Ted

Verified December 26, 2025

Claim Reimbursement Speed

The emergency vet being able to submit the claim and process the credit immediately rather than it taking longer to get reimbursed.

Insurer: Trupanion

By: Keri

Verified December 26, 2025

Smooth claim process

Smooth claim process

Insurer: MetLife

By: Sheila

Verified December 26, 2025

Answered all questions and expedited…

Answered all questions and expedited the claim .

Insurer: Spot

By: Clarence Larosa

Verified December 26, 2025

Easy Process, Quick Response

Met Life always responds quickly when you make a claim. The process through the app is easy. They keep you apprised of progress throughout the entire process.

Insurer: MetLife

By: Lew

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