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


October 13, 2025

Embrace: Responsive and Excellent Coverage

Embrace has been responsive and covered a significant amount of the costs. I really appreciate the speed of review and the acceptance of the diagnosis.

Insurer: Embrace

By: David T

Verified October 13, 2025

Good Almost Great Service

Never an issue when making a claim. Only complaint I have is the amount of time it takes to receive the funds. If it wasn’t for that, I would give 5 stars.

Insurer: MetLife

By: Anthony

Verified October 13, 2025

Excellent claim service

Excellent claim service. Had other pet insurance before and you are the best. Highly recommend

Insurer: MetLife

By: Eileen

Verified October 13, 2025

Within 2 days of submitting an invoice…

Within 2 days of submitting an invoice Pumpkin sent the reimbursement.

Insurer: Pumpkin

By: Judith

Verified October 13, 2025

My doggie injured his back right leg

My doggie injured his back right leg. I took him to his vet who recommended an exam, x-rays and meds. after all was said and done I received the bill. I submitted the bill to Spot and just in a couple of days I received payment in my bank account. They paid exactly what they said they would and showed it in detailed.

Insurer: Spot

By: Ana B.

Verified October 13, 2025

MetLife was responsive when there was…

MetLife was responsive when there was an issue with my claim and are typically fair with their reimbursements. I’m very glad I have pet insurance with this kind of coverage.

Insurer: MetLife

By: Andrew

Verified October 13, 2025

Hassle-free claims process

So far they’ve always paid claims according to the terms of the policy with no extra push back or appeals required.

Insurer: MetLife

By: Kate

Verified October 13, 2025

Company reviews and pays claims in a…

Company reviews and pays claims in a short, timely manner. Very easy to work with.

Insurer: MetLife

By: Audrey

Verified October 13, 2025

It was easy to submit our claim for…

It was easy to submit our claim for immunization and fecal check as well as preventative flea/tick meds. The payment of the claim was in our bank before our charge account was due!

Insurer: MetLife

By: mary cook

Verified October 13, 2025

THE BEST PET INSURANCE!!

This is my first year with MetLife Pet Insurance and I am thoroughly impressed with their response time, speed of claim review and prompt reimbursement. The repayment appears in my Bank account in 5 business days or less.

Insurer: MetLife

By: Rob Mauzy

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