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.

62,907 total


Verified January 19, 2026

Fast, simple, and thorough

It's a simple process, and the company did the review promptly. We received the amount due within a few days of submitting the claim.

Insurer: MetLife

By: Steve

Verified January 19, 2026

Quick and easy!

Quick and easy! Each claim I’ve made has been quick and easy to get reimbursed. They notify me if I’m missing documents, and within a week they reimburse me and provide an explanation of what I’ve been reimbursed for! Feel at ease, knowing my dogs are able to get the care they need!

Insurer: MetLife

By: customer

Verified January 19, 2026

You are very quick to process claims!

You are very quick to process claims!

Insurer: MetLife

By: customer

Verified January 19, 2026

This was the fastest my claim has been…

This was the fastest my claim has been processed. From start to finish was less than 5 days

Insurer: MetLife

By: Leah

Verified January 19, 2026

I filed a claim online

I filed a claim online, with a receipt of the vet bill, and it was super easy and received a check for the full amount right away.

Insurer: MetLife

By: Ellen J.

Verified January 19, 2026

Affordable health care

I am able to take the very best care of Artie because of the excellent coverage from Metlife. Without his insurance, I wouldn't be able to keep up with his preventative health care.

Insurer: MetLife

By: Alice Pierceall

January 19, 2026

avoid embrace

I have had embrace for a few years now for my cat. i got additional coverage in the event that she needed dental work done because the basic coverage didn't include dental work. My cat recently had her cleaning done which cost approximately 900 dollars. I called embrace and spoke with Tyler and was told I was denied reimbursement because she(my cat) had developed tarter and that was considered a pre-existing condition that would not allow for reimbursement. I was then told that my cat would be covered for future cleanings because the tarter would be covered going forward since i had a dental cleaning done. My issue is as follows. 1) what 12 year old cat doesnt have tarter and plaque build up 2)what good is coverage for future cleaning. my cat isnt going in for cleanings twice a year.

Insurer: Embrace

By: Rob G

Verified January 19, 2026

Hooray for Pumpkin!

We've had Pumpkin for a few years now. They have always been great. Process claims and payments quickly and have great communication. Very happy with them and it's nice to know that they have your back if you have a pet health problem!

Insurer: Pumpkin

By: Matthew Berger

Verified January 19, 2026

We almost always get reimbursed quickly…

We almost always get reimbursed quickly ,but every now and then you request more notes at times when animals are only getting meds.If not for that i would've given 5 stars

Insurer: MetLife

By: Steve

Verified January 19, 2026

Very quick claim processing

Very quick claim processing, claims processed as described in their policy

Insurer: MetLife

By: Valerie Yozzo

Compare top pet insurance providers plans.