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 05, 2025

Quick process to submit a claim and…

Quick process to submit a claim and payout.

Insurer: MetLife

By: Joe Benadum

Verified December 05, 2025

Renewed my faith that the process can work

This is my third claim filed and after a disaster of a 2nd claim this went smoothly and timely. You have renewed my faith that claims can be completed in a timely manner.

Insurer: MetLife

By: Mary

Verified December 05, 2025

Great detail on the EOB's

Great detail on the EOB's. Wish the processing was a little quicker. Overall good job!

Insurer: Fetch

By: Kristine

Verified December 05, 2025

Thank God for Metlife

Thank God for Metlife, without you I'd be broke. Very easy to file claims , also quick turnaround.

Insurer: MetLife

By: Lee Family

Verified December 05, 2025

Insurance has been great to us

Insurance has been great to us. Fast recovery on our insurance claims

Insurer: MetLife

By: Joyce Wilson

December 05, 2025

Won’t cover a legitimate claim

I’m extremely disappointed with MetLife Pet Insurance. One of my cats swallowed a Nerf pellet, which required surgical removal. This is an obviously a foreign object ingestion case — something that is clearly listed as covered. MetLife denied the claim, insisting it was a “pre-existing condition,” which makes absolutely no sense. They tried to point to her recent vaccines as a reason for pre existing, even though a literal Nerf foam bullet was surgically removed from her stomach. There is nothing “pre-existing” about an accidental foreign object ingestion. They later claimed they needed the exact date and time when the ingestion happened. I explained that it occurred sometime between her vaccines and the emergency surgery — a window of two days — and that she lives indoors. The veterinarian even wrote a letter stating that it’s impossible to know the exact time or place of an accidental ingestion, and that the foreign object removal should be sufficient proof. MetLife still denied the appeal, again calling it pre-existing. At this point it’s clear they simply do not want to pay out on a legitimate, medically verified claim. This has been a frustrating, time-consuming, and honestly shocking experience. I would strongly caution pet owners to think twice before trusting MetLife with their pets’ health needs

Insurer: MetLife

By: Rodrigo

Verified December 05, 2025

super easy claim submission

super easy claim submission

Insurer: MetLife

By: megan

Verified December 05, 2025

Quick reimbursement with no hassle.

Quick reimbursement with no hassle.

Insurer: Pumpkin

By: Judith

Verified December 05, 2025

Great Service

Easy site to submit claims. Fast processing of claims. Full explanation of what was covered and what was not. Live MetLife Pet Insurance!

Insurer: MetLife

By: Karen Roth

Verified December 05, 2025

Easy to submit claims and quick refund

Easy to submit claims and quick refund

Insurer: MetLife

By: customer

Compare top pet insurance providers plans.