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 06, 2025

A must for responsible pet owners

Pet insurance is a must, and MetLife has been such a great one for me and my pup. Customer service and claims department are always quick and professional. The flexibility to choose your plan terms is incredibly useful and you know you are getting what you pay for.

Insurer: MetLife

By: Chae C.

Verified October 06, 2025

Great experience!

Great experience! Quick payments via Zelle - couldn't ask for better. The CSR was very clear but I can't say the same for the documentation ;-)

Insurer: MetLife

By: Roger Bencivenga

October 06, 2025

Easiest company to submit claims to and…

Easiest company to submit claims to and they are very prompt in their response.

Insurer: Embrace

By: Julie Climer

Verified October 06, 2025

Quick reimbursement!

Quick reimbursement!

Insurer: Pumpkin

By: Emily

October 06, 2025

I do not recommend them anymore

I wish I could say they were great! it takes long to get their results and they have no idea about animals they care for. They rejected my claim on my puppy saying that diherriea was a pre-condition (from 2 months prior!!!). What puppy survives 2 months of lose stools and they should know better that for puppies it is very common to have bowel issues as they get to anything. Poor judgement.

Insurer: Embrace

By: Esra Urkmez

Verified October 06, 2025

Efficient Claims Processing

Very simple, efficient, and timely claims processing.

Insurer: MetLife

By: Brenda Portzen

Verified October 06, 2025

My concerns:

My concerns: —quite expensive —why is back history submitted every time I submit a new claim? Are past files not saved? Pros —turn around time for claims is great! —having the option to submit claim by email versus SPOT website is great!

Insurer: Spot

By: Deborah Hyatt

Verified October 06, 2025

Service

Initially Metlife used to take a longer time to reimburse but have improved over the months that I have been dealing with Metlife.

Insurer: MetLife

By: Natasha

Verified October 06, 2025

Best thing for your pet

The app works really well. I see the vet and pay them. I get both the invoice and SOAP notes emailed to me. I submit my claim and within a few days my reimbursement is in my account. Responsive by phone and quick turnaround of my claims.

Insurer: MetLife

By: P. L.

October 06, 2025

Claims took forever to resolve

Claims took forever to resolve. Their pre-existing conditions make insurance worthless. Will be canceling.

Insurer: Embrace

By: Paul

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