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.

58,993 total


Verified November 07, 2025

Lifesaver

Metlife does a great job of ensuring we have a great experience. I can use the doctor I want, I get reimbursed 90%, and I love that they took on my pet after nationwide discontinued their plan. Metlife has been a true lifesaver for my pet! ❤️

Insurer: MetLife

By: Kristyn Wasikowski

Verified November 07, 2025

Easy to submit a claim

Easy to submit a claim. The claim was quickly put through. Very happy with this pet insurance plan so far.

Insurer: MetLife

By: MELISSA

Verified November 07, 2025

Great customer focus

Easiest way to file and follow the progress of a claim. Excellent customer service and superb communication protocols.

Insurer: MetLife

By: John Richardson

Verified November 07, 2025

Fast claims review and very simple and…

Fast claims review and very simple and reliable submission process.

Insurer: Spot

By: Sofia

November 07, 2025

Happy after 2 years

I have been with many different pet insurance companies, and I am extremely happy with Embrace. The rates are very reasonable. Just like ANY other pet insurance it's all on what YOU choose for your pet on coverage. You can have $10.00 a month up to $500+. I have 2 pets on Embrace and both pets I have high coverage on them because I CHOOSE too. Now the refunds are quick returns. Customer service staff are professional. Everything is self-explanatory on the paperwork that has been sent to me or if I look online. Again, if you don't understand something call customer service. I have had no problems with anyone, past or present and I have been with them for 2 years so far.

Insurer: Embrace

By: CeCi L.

Verified November 07, 2025

Always quick and easy to process…

Always quick and easy to process claims.Great service!

Insurer: MetLife

By: Kathy Beasley

Verified November 07, 2025

Easy claim filing and prompt…

Easy claim filing and prompt reimbursement!

Insurer: MetLife

By: customer

Verified November 07, 2025

Mixed review

When they pay it's usually pretty fast. But they make up reasons to deny a lot. Say they cover chiropractic but deny everything. Shouldn't be allowed to do that.

Insurer: MetLife

By: customer

Verified November 07, 2025

MetLife refused to pay for claims and…

MetLife refused to pay for claims and when you call to talk to a representative, they tell you different information. They mislead you and have you paying for treatment for your pet and telling you that it will be reimbursed because this a new treatment.

Insurer: MetLife

By: Vernita Brown

Verified November 07, 2025

Thank goodness I have insurance for my…

Thank goodness I have insurance for my Chloe, having insurance takes the worry out emergency. The process to make a claim is very easy .

Insurer: MetLife

By: Gail

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