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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They incorrectly file all of my claims…
They incorrectly file all of my claims the first time. Is it now expected of me to have to refile my claims every time so that they are actually done properly? They filed my dog as a CAT. And under things that he wasn't even treated for. I didnt even receive mpney back the first time for an xray! Thankfully it was resolved after they were re-submitted for evaluation but that shouldn't be nessasary. I felt they were trying to save themselves money by banking on me not calling and questioning.
Insurer: MetLife
By: customer
Prompt Service and Support
My dog Tootsie was recently diagnosed with Congestive Heart Failure and AFIB. While the news is devastating, Pets Best has provided prompt service re processing my claims. We're still in the early days of multiple follow-up visit, monitoring and adjusting medications - lots of bills! However, Pets Best has been very helpful and prompt in processing my multiple claims, Having this coverage has enabled me to provide Tootsie with the necessary medical services and medications that she needs and deserves.
Super easy to submit claims
Super easy to submit claims. Quick response back with details of benefit.
Insurer: MetLife
By: customer
They made me resubmit an invoice
They made me resubmit an invoice, a second time this has happened. When they do approve a claim, payment has been prompt. Even so, I'm switching to a lower-priced carrier that has a better rating by the Wall Street Journal. (Embrace doesn't even get a mention.)
Insurer: Embrace
By: Michael Brown
Claims are processed quickly and refund…
Claims are processed quickly and refund payment is all done in less than a week. Couldn't be happier. Much better than my other pet insurance who would find any reason not to reimburse submitted claims
Insurer: Pumpkin
By: LISA
Best Pet Insurance!
I've had MetLife Pet Insurance for almost six years and I love how simple the process is to get my dog's care covered.
Insurer: MetLife
By: Katie
Excellent customer service and they…
Excellent customer service and they have so many options to help your furry family member. It’s easy to submit for a claim and having a vet or tech assist during unknowns helps a lot.
Insurer: MetLife
By: Roy M
RUN! DO NOT BUY this pet insurance
I’ve had a profoundly disappointing experience with MetLife Pet Insurance and I want to save others from the same frustration. On paper, the coverage looks great, and the marketing hype is strong—but the reality of actually using the insurance is completely different. Whenever I have submitted a claim, MetLife seems to default to denying it, frequently citing "pre-existing conditions" for issues that are clearly not pre-existing. It feels like they are looking for any excuse to avoid payment rather than supporting the health of my pet. The claims and appeals process is an absolute disaster. When you do have to file an appeal, you are entering a black hole. They don’t provide confirmation when they receive your documents, so you’re left wondering if your appeal was lost or simply being ignored. The process is incredibly long and arduous, forcing you to do all the heavy lifting to prove their own mistakes wrong. I am essentially paying for a service that refuses to fulfill its end of the bargain when I actually need it. If you’re looking for peace of mind, look elsewhere. This has been nothing but a headache and a waste of money. Do yourself and your pet a favor and find a more transparent and reliable provider.
Insurer: MetLife
By: Tom M
Excellent - but after an appeal
Excellent - but after an appeal. The claim for necessary dental extractions was initially denied, but was fully reimbursed after review on appeal.
Insurer: Trupanion
By: Frank