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.

64,657 total


March 11, 2026

No Hassle Claims

"Once again, my claim experience was simple and settled as promised. In several years of having pet insurance with Pets Best, I have never had a problem or been disappointed! I have recommended Pets Best to many friends and have never received negative feedback. Thanks Pets Best for being a company that carries through on their promises. "

Insurer: Pets Best

Veterinarian: VCA Ho-Ho-Kus Animal Hospital

By: Joe

Useful
March 11, 2026

Excellent - 2 seperate claims for 2 fur babies

I recently had to make a claim for both of my babies. Fetch were very quick to process our kitten Tilly as we have had her insured since she was a kitten. Lily our British Shorthair we have only had her since she was almost 2. Lily’s claim related to dental work and initially it was refused due to issues with her records. Once our vet provided the records they were quick to process the review of Lily’s claim. While the process was at times frustrating the customer service was exceptional. I dealt primarily with Leanne. I feel relief. I feel safe knowing that both our babies are protected ❤️ I strongly recommend. I will be staying with Fetch ❤️ incredible. Thank you so much

Insurer: Fetch

By: Tess Li

March 11, 2026

Excellent app and easy to use claim…

Excellent app and easy to use claim process

Insurer: MetLife

By: Maritza

March 11, 2026

Highly Recommend Embrace

Well, after filing 3 claims for a total of $6549 for my cat’s intestinal blockage, I patiently waited for the 30 day wait period on a first filed claim. I have an unlimited policy covering 90% of the costs. I have to admit that after reading some of the negative reviews on here I was worried that Embrace could possibly reject my claims even though I followed all the rules and regs in regard to medical history and what’s covered and what’s not. Exactly 30 days later my claims were all processed, approved and completed and 3 business days later $5680 was deposited into my bank account. What a pleasant surprise Embrace truly is. If you follow the instructions you have no issues with your claims. All the different reps I spoke with were truly empathetic, knowledgeable and easy to get hold of. Embrace was everything I was hoping for when I purchased my policy!!! I highly recommend this insurance as vet bills can add up quickly!!

Insurer: Embrace

By: Erik Radcliffe

March 11, 2026

I am so grateful for Healthy Paws

I am so grateful for Healthy Paws! My little Fiona was diagnosed with cancer two years ago. Without insurance, I don't know how I could afford to pay for her regular oncology visits and cancer meds. Fiona recently had a gallbladder infection and was in the hospital for 2 days. Her stay was so expensive and would have been a huge financial burden without insurance. As always with HP, my claims were promptly submitted and I received a reimbursement within a couple of days. Fiona is doing great with her treatment and I'm so thankful we can continue her medical care with help from Healthy Paws Insurance.

Insurer: Healthy Paws

By: Tracey Robinson

March 11, 2026

MetLife is fast in closing the claims…

MetLife is fast in closing the claims and very responsive.

Insurer: MetLife

By: DJ

March 11, 2026

We liked the quick review to add a new…

We liked the quick review to add a new rescue to our family! Submitting claims and receiving payment is easy and quick. Thank you!

Insurer: Nationwide

By: Cindy

Verified March 11, 2026

What did adoro do well during your claim?

Everything! I had chatted with someone online and they answered my questions. Then I filed my first claim, it got accepted and paid the same day.

Insurer: Adoro

By: Brenda

Useful
March 10, 2026

Very easy & user friendly

Very easy & user friendly. Making it easy to enroll your pet(s) & make claims!

Insurer: MetLife

By: Olivia Overdahl

March 10, 2026

Excellence in Efficiency

MetLife Pet Insurance is efficient, timely, and provides excellence in turnaround times with regards to receiving refunds on our vet visits for our little one.

Insurer: MetLife

By: Marci G.

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