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.

59,035 total


Verified October 14, 2025

No thanks

Easy to sign up, customer service is not good and daily email reminders are pushed to get your pet’s vet records. Had a question immediately after signing up, called customer support and got a recording directing me to leave a message. Left a message, called right back and now a rep answered. Wanted to cancel immediately but the rep assured me that they offered good service and she would call me back Monday (this was on Friday) I was in the middle of speaking with her and got disconnected. No call back and now 7:00 pm on Monday, haven’t heard a thing. I don’t trust that trying to file a claim with this company will be a good experience. Cancelling.

Insurer: Prudent Pet

By: Echosmom

Verified October 14, 2025

Fast reimbursement

From claim submission to payment was less than a week. My pet's medical claims get paid faster than my own!

Insurer: Healthy Paws

By: Kristine Morimoto

Verified October 14, 2025

Healthy Paws is the single best pet insurance company

I will never insure another pet with any other pet insurance. Healthy Paws has, over the past 14 years, paid almost every claim within 2 days via direct deposit. No drama, no unnecessary delays, no pre-approval. Just there when we needed it and we really needed it a couple of times for our two dogs. I am so thankful that I've always recommended Healthy Paws to all my friends. My vet uses it and over the past 14 years, we have referred 12 people who also use Healthy Paws. I just love them, their customer service and their coverage.

Insurer: Healthy Paws

By: Kathryn M Coughlin

Verified October 14, 2025

MetLife Pet Insurance is Outstanding

MetLife Pet insurance has been outstanding! Dog owner for 30 years, this is the first time having pet insurance and will never do without again! MetLife has a user friendly website and an app as well. Easy to submit claims and a quick turnaround for payment reimbursement . We would highly recommend MetLife as I do already to several group pages I’m in for our dogs breed.

Insurer: MetLife

By: Kelly & Joe Guarino

Verified October 14, 2025

It's easy to submit a claim to app

It's easy to submit a claim to app. I get up to date notifications on status. I appreciate the first question is my pet ok. It makes me feel cared for.

Insurer: MetLife

By: Lisa

October 14, 2025

i called 3 times today and each and…

i called 3 times today and each and every support person was: helpful... Kind... Patient,,, & Understanding.... it was my first time submitting a claim like this and a great experience thanks soooo much

Insurer: Fetch

By: Jill Gaston

Verified October 14, 2025

costs were covered within days

costs were covered within days

Insurer: Healthy Paws

By: erica torelli

Verified October 13, 2025

Denied claim was re-evaluated and paid

I submitted a claim that clearly stated the reason was Ear infection. Someone decided it was Environmental Allergy and denied it. I chatted online and he said send SOAP notes, which I did. Denied again and, per phone call, now they say it was denied due to a Preexisting condition. I've had insurance with them for more than a year. Are they saying she's had an ear infection that long? Really? Now I have to jump through hoops to appeal?? Unbelievable!! UPDATE: With the assistance of a very nice Customer Experience Rep, we were able to resolve this situation and the claim was paid.

Insurer: MetLife

By: Unhappy Customer

Verified October 13, 2025

Easy claim submission and rapid payments

Easy claim submission and rapid payments

Insurer: MetLife

By: Erick R

October 13, 2025

Frustrating process to receive claims

Frustrating process to receive claims. They have yet to refund my claims and it's been over 4 months.

Insurer: Embrace

By: Kim Kim

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