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 13, 2025

Claim Process

Stress free process when I put my claim in for my cat's vet visit. Thank you so much for being there for us!

Insurer: MetLife

By: Patti

Verified October 13, 2025

Smooth!

Everything was very quick and easy!

Insurer: MetLife

By: KS

Verified October 13, 2025

Claims

When I put in a claim it is always done in a timely manner.

Insurer: MetLife

By: Elaine

Verified October 13, 2025

Great experience awesome employees…

Great experience awesome employees understanding and amazing quick payment refunds

Insurer: MetLife

By: Lisa benetti for honey bunz🍯

October 13, 2025

Thieves

We purchased our fur baby at 8 weeks, he had blood work done by our vet and had elevated liver numbers. He came to us with insurance for 30 days, after that time I switched to Embrace because I had another dog insured with them . Our baby was never sick until over 16 months later and then had pancreatic. Embrace denied the claim because he had a history of elevated liver enzymes even though that had never made him sick. Really check what you are getting because I truely believe this was unfair. I now know there are a few great companies that only have 6 month wait on previous conditions but in my dogs case there was not any previous problems or symptoms except for slightly high liver enzymes.

Insurer: Embrace

Veterinarian: Haven Lake Animal Hospital

By: Dianne

Useful
Verified October 13, 2025

The claim was processed timely and I…

The claim was processed timely and I received the reimbursement that I expected.

Insurer: Spot

By: Irene Fonsecs

Verified October 13, 2025

Claim and reimbursement is super easy

Claim and reimbursement is super easy

Insurer: MetLife

By: customer

Verified October 13, 2025

Claim Process Take a Bit of Work

Requesting a claim is easy. However, they don't let you submit the medical records from your vet. They email your vet and CC you. My vet submitted medical records for 2 dates. They only approved the 1st one. They continue to email the 2nd one. I have emailed them, uploaded my document myself and messaged them. They continue to email my vet and say it will be on "hold." It is a lot of work on your end to submit a claim.

Insurer: Embrace

By: Anny

October 13, 2025

Quick & Easy

It's really super easy to submit a claim. It's usually processed quickly and you receive your payment quickly.

Insurer: Embrace

By: Neil Skjoldal

Verified October 13, 2025

Quick and Fair Review

Reviewed and processed claim timely. Fair and quick reimbursement.

Insurer: Spot

By: Nicole

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