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.
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My kids have paws.
I have been very pleased with the services that pumpkin has provided regarding the reimbursement of my cats VEG bills. As you are aware, the medical care of pets can be very expensive.
Insurer: Pumpkin
By: Sylvia
Easy process to submit claims
Easy process to submit claims. Reimbursement time can be improved but overall great experience so far.
Insurer: MetLife
By: Alfredo Acevedo
Very easy process
Very easy to submit claims. Quick evaluation process. Glad to see the coverage was as I expected. Highly recommend.
Insurer: MetLife
By: GSiman
Positive and Easy Process
My experience with MetLifr has always been stellar. They process claims very timely with complete Explanation of Benefits with each processed claim. The process to subit a claim is also very simple, no complicated questions or requests. If you call with any questions Customer Service reps are very helpful, knowledgeable & very polite.
Insurer: MetLife
By: Luna the Eskie
I’m incredibly grateful to have…
I’m incredibly grateful to have discovered Pumpkin Pet Insurance, which has proven to be an invaluable support during challenging times. Their comprehensive coverage and responsive customer service have significantly alleviated my worries, especially for my beloved cat, Cleo, whose health needs have become more complex lately. I confidently recommend Pumpkin to any pet owner seeking dependable and detailed insurance coverage.
Insurer: Pumpkin
By: Karen
Metlife pet insurance is.there when you need them.
Our pets are a big part of your family. Anytime one of your family members is hurt you experience an overwhelming amount of emotional stress and fear. This can make even the most simple task challenging. This was the first time filing a claim. The process was easy to file a claim and the claim was resolved quickly. The staff was very friendly and showed true concern for your pets health as well as the owners emotional stress. I have never filed a claim in 10 years but so great full that metlife pet insurance was there when needed.
Insurer: MetLife
By: David Vaught
Would not recommend anyone get a policy…
Would not recommend anyone get a policy from here. They won’t pay your claims. They’ll start off paying the first claim then won’t pay anymore and give excuses. Just save a little money every month and you’ll get it back 100% when you have to take your pet in. They shouldn’t even be able to use the word “insurance” because it’s not. It’s a flat out lie.
Insurer: ASPCA
By: Jesse Ferrer
Very quick to settle claims.
Very quick to settle claims.
Insurer: MetLife
By: Cathie
I purchased Embrace Pet insurance for my German Shepherd dogs
I purchased Embrace Pet insurance for two of my dogs six months ago. I researched a lot of companies and settled on Embrace. They seemed to have the best coverage for the price. The person that I signed up with on the phone originally said that they wouldn't cover any illness unless I had a Wellness Check done on my dogs. I thought that was silly considering they weren't sick, but whatever. He also told me that any accidents & injuries would be covered immediately (as in, the next day). Well, the next day, my German Shepherd sliced one of his paw pads really badly, so I made an appointment with my vet for the following day. By the time I got to the vet, a large portion of his paw pad had completely fallen off from the cut and he wasn't limping anymore. I was thankful. He was fine. I decided to go ahead and have a wellness check done since we were there. Embrace did not cover the injury because he had a wellness check and because there was supposedly a 14-day waiting period. Then I called Embrace and spoke to Derrick who checked into it and said that an accident should have been covered immediately and he would resubmit the claim. Today, I received an email from Embrace stating that they would not cover the accident because there was a 30-day waiting period. These guys should really learn about the company they work for and get their stories straight. They also said that the vet's notes said that my mere 2-year-old German Shepherd had some tarter build-up and so that is now a pre-existing condition and they won't cover any dental for him if he has a problem. The paw pad of course, is not a pre-existing condition. And because the vet prescribed a parasite medication, they won't cover anything having to do with a parasite for at least 12 months. I mean, seriously? This is not how businesses should be run. I spend a lot of money on pet insurance and this company is full of a bunch of liars and scam artists. And when I was telling two of my friends about this today, they said that they had a similar experience and decided pet insurance was too expensive and cancelled their policy. When I told them that the company I was talking about was Embrace, they said, "That's the one we had!" So, that clinched it. I'm not nuts. That was enough for me and I have decided to cancel my policies with this company and will be seeking insurance elsewhere (probably the one I have for my other dog, PetFirst with MetLife). I hope this review was helpful for people. I really do not recommend this company at all. And, btw, this is only the second one-star review I have ever given to anyone, so this is legitimately bad in my opinion.
Insurer: Embrace
By: Jamie Kirkpatrick
I appreciate how easy it is to file…
I appreciate how easy it is to file claims and how quickly reimbursements are processed.
Insurer: MetLife
By: customer