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.
62,907 total
Other Categories
Site is easy and uncomplicated
Site is very easy to navigate. Submitting a claim is easy and reimbursement is quick.
Insurer: Spot
By: Carol
Surgery Expenses
We recently had to have emergency surgery for our 6 yo little female dacshund for bladder stones. I filed the claim on a Monday after and had the checks in my bank in less than a week.
Insurer: Spot
By: JLH
Super quick turnaround when the health history is clean
Finally took the plunge into pet insurance when my kitty became a senior this year, even though her health has been pristine her entire life. Glad I did! Random health issue popped up, and I got paid out in less than a week with her clean bill of health.
Insurer: MetLife
By: Andy
I am very happy with met life
I am very happy with met life. My claims are processed fairly quickly. My last claim was completed within 3 days. So far I have had no problems with any of my claims submitted. I have recommended met life to three of my friends.
Insurer: MetLife
By: Gail Randio
Do Not Buy
If you file claims with this insurance, your premiums go up. I got no notice and my auto payment was more than twice what it had been. There is a class action suit against them because they have no ceiling for how much they can raise your rates.. they are also obtuse as to what they cover, especially prescription medication.
Insurer: Healthy Paws
By: Alice
Super easy to manage & prompt approval
Super easy to manage & prompt approval of my claim for the 2nd time!
Insurer: Spot
By: Jesica
MUCH more trouble than it's worth
I decided to try using pet insurance for my healthy dog. After paying 3 months of premiums at $62.97 per month plus a $12 enrollment fee, my dog got sick so I brought him to the vet. I made a claim for the $99 fee. As demanded by MetLife, I uploaded 12 months of SOAP records including the visit in question. I uploaded a 2-page invoice AND the receipt for payment. What a waste of time. First MetLife contacted my vet for the same documents I had already uploaded. Then MetLife claimed my invoice was obstructed. When I called and pointed out that I submitted a two-page document, first page a plain invoice and the second page the invoice with the receipt stapled to the top, the claim rep said that was not how it was submitted. I walked her through reviewing my submission. She still implied I had submitted two claims because THEIR SYSTEM had glitched and separated the two-page document I uploaded. I was frustrated with this person so I asked for a supervisor, was put on a 10 minute hold, then they came back and said the supervisor was not available. Later she accidentally admitted she had spoken to a supervisor. I decided to cancel. THERE IS NO WAY TO CANCEL ONLINE. You need to CALL, wait on hold, ask to cancel, then they send you an email with a form you have to complete. What a waste of my time, not to mention 3 months of premiums. Oh and by the way, when I asked, she told me the claim was denied anyways :-) DO NOT DO IT!
Insurer: MetLife
By: Rebecca
I have had pet insurance with Embrace…
I have had pet insurance with Embrace for 9 months now. They are very helpful and reimburse you with in days of your claim. Very sweet and knowledgeable.
Insurer: Embrace
By: simcikmary
Super easy to submit claims
Super easy to submit claims. So far no issues with policy not being honored
Insurer: Spot
By: Cynthia Beevers
I have a senior pet and it’s been a…
I have a senior pet and it’s been a challenging period. Even though her medical bills were not approved at first, I’m glad MetLife had a process to hear from me and my pet’s medical care team regarding the details and the explanations. I’m thankful her medical bills are now very thoughtfully considered and approved - thank you for giving us the peace of mind, MetLife. Appreciate it
Insurer: MetLife
By: AR