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.

58,987 total


December 05, 2025

Promises Kept

My dog had a horrible accident which resulted in a very significant expense. I was extremely pleased when Pets Best did EXACTLY what they promised with our contract. The premiums are very reasonable so I know the cost they had to absorb to uphold their end of the deal was large, far larger than many many years of premium! Their claim process was very easy, they did not request anything additional and they sent a payment check very fast. It's a pleasant surprise when you find a company that does what they say they will do. I am very happy with Pets Best and will recommend them to everyone "

Insurer: Pets Best

Veterinarian: Veterinary Medical Center of Long Island

By: James

Useful
Verified December 05, 2025

No longer recommend

Long time, 8 pet policy customer and still i have to fight to ensure coverage isnt turned down for pre-existing conditions that do not exist. Maybe get claims adjusters who aren't con artist purposefully trying to turn down coverage with every excuse they have. If I hadn't used some of my policies id be switching pet insurance. EDIT TO ADD: For a pet insurance company that sponsors almost all major shelters and rescues in the US, I am so disappointed. My puppy came from a high kill shelter in the south. When she was at the shelter (3 months ago) she was given dewormer as ALL dogs and cats that are in shelters mostly do as a preventive measure. When I adopted her in a different state, she tested negative for any parasites or worms. A month later, shes fighting for her life with coccidia, giardia, and hookworms. MetLife decided that just because she was given a preventative dose of dewormer at a shelter 3 months ago with no diagnostic history or exam notation of any other history of having worms or parasites or GI issues for that matter, MetLife said it was a pre-existing condition. My vet even wrote a letter to them explaining the legal requirements that shelters have to administer preventative dose of this medication and how that is not cause to justify as a pre-existingcondition. And yet they still continue to deny her claims and life-saving care. I will NEVER use MetLife again.

Insurer: MetLife

By: Hanna Winn

Verified December 05, 2025

Coverage was good for the cost of the…

Coverage was good for the cost of the vet bill. My only drawback is the process of gathering pet records to send in with the claim.

Insurer: MetLife

By: customer

Verified December 05, 2025

MetLife is a life saver!

MetLife is the best pet insurance company ever. The customer service is unmatched and truly makes me feel like a valued customer. The claim process is very easy and I receive a quick refund, which is especially important with large vet bills. I cannot recommend this company enough!

Insurer: MetLife

By: Giulia H.

Verified December 05, 2025

Great service!

The app is super easy to navigate and the customer service has always been helpful and responsive. Friendly service and easy process to submit claims and receive reimbursement. I’m very happy to have gone with MetLife for my pup!

Insurer: MetLife

By: customer

Verified December 05, 2025

Timeliness of processing has…

Timeliness of processing has significantly improved since last year! Well done!

Insurer: MetLife

By: customer

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

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