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


Verified December 26, 2025

MetLife stands by what they say

MetLife stands by what they say. Hassle free coverage, great communication

Insurer: MetLife

By: customer

December 26, 2025

Bad administration and overly broad pre-existing condition determination

Embrace took way too long -- and engaged in no proactive follow-up -- to gather my dog's prior vet records and then took an overly broad view of my dog's preexisting conditions. I am very disappointed in Embrace and don't know why Forbes rated them so high.

Insurer: Embrace

By: Andy Hutcher

Verified December 26, 2025

Fast claim processing

Fast claim processing. And friendly customer service.

Insurer: Pumpkin

By: ChrisC

December 26, 2025

Helped my senior girl!

I’m grateful that not only does Pets Best insure senior dogs but when my senior girl had pancreatitis which resulted in thousands in vet bills all of my claims were handled and a refund was issued which gave me a lot of relief in a stressful time

Insurer: Pets Best

By: Nichole

Useful
Verified December 26, 2025

Easy claim process and quick payment

This interaction with MetLife was seamless and an improvement over previous ones. I uploaded my receipt and vet notes to the site, and within about 3 days I received reimbursement. It was a pleasure.

Insurer: MetLife

By: Rebecca

Verified December 26, 2025

I appreciate how well they communicate…

I appreciate how well they communicate with me about my plan and any claims that I had. They reimbursed me promptly.

Insurer: Nationwide

By: Brady

December 26, 2025

Great Pet Insurance

I was happy and very pleased with the reimbursement I received for my chihuahua's medical treatment. I was kept updated via emails on the claim's process. Customer Service was courteous and helpful in assisting me with any questions I had. This is my first claim with Pets Best. Being on a budget, I feel confident that my little furry rescue is covered for me to hand his medical expenses. Thank you!

Insurer: Pets Best

By: Carmela

Useful
December 26, 2025

What happened to Pet's Best customer service?

We had been happy with Pet's Best, and had wellness and illness/accident insurance for the great dane we rescued. He was heartworm positive, and full of worms, but is doing much better now. But in Oct, we got him neutered and when put under anesthesia, the vet could see he had many damaged and infected teeth, so 6 were extracted. We had met our $1000 deductible with Pets Best, and so everything should have been covered at 90 percent. It took MONTHS to even finally be able to submit the claim. Their website and app continually crashed after inputting all the data, and the phone lines hung up on me every time. Finally I emailed all the documents. They received it, because that's the date they used for opening the claim, but they didn't read the doctor's notes, they didn't contact either my regular vet or the vet that neutered him, or me, before denying the claim for lack of documentation. Now, they are supposed to be reopening the claim, but I still haven't seen any of the about $750 they owe me.

Insurer: Pets Best

By: Barbara

Useful
December 26, 2025

Great

All is great except the small print on what is covered only once a year.

Insurer: Pets Best

Veterinarian: Seven Oaks Pet Hospital Wesley Chapel

By: James

Useful
Verified December 26, 2025

The lady I spoke with was very helpful…

The lady I spoke with was very helpful and to the time to help me review some claims I didn’t understand completely.

Insurer: MetLife

By: Wendy

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