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


December 14, 2025

Not sure if this is worth the hassle

I have been trying to get a claim paid since October. Part of it was my fault—I didn’t provide the proper proof of purchase—but the remainder has been slow customer service and horrible app and website experiences. I found the proper proof of payment and have emailed it at least three times for processing. My claim was closed due to not sending in proof of payment. I spoke with a customer service rep who indicated I needed to submit a new claim, referencing the old claim, which I did. Now I’m getting emails saying the new claim is incomplete. The app and website won’t allow me to upload the information—I keep getting error messages. I have sent screen shots of the error messages in with my emails (I can’t be the only one having this issue!) and get crickets. Hold times are ridiculous and when I did get through the rep said they would handle the problem which they haven’t done. I just adopted two kittens and was going to add them to the policy, but why bother when all I am getting is frustrated! Also, every time I sign in on my iPad I get the message that I’m using a new device and have to wait for an email in order to login again. Whatever system upgrade you had in the fall created more issues than it resolved. I’m not sure I’m going to renew this policy.

Insurer: Pets Best

By: Carol Poss

Verified December 14, 2025

Quick review and reimbursement

Quick review and reimbursement. thank you!

Insurer: MetLife

By: Erin Orsaris

Verified December 14, 2025

The app is easy to use..

The app is easy to use... Just upload a pic of the receipt and submit your claim.

Insurer: MetLife

By: Glenn M

Verified December 14, 2025

Quick reimbursement on medication

Quick reimbursement on medication

Insurer: MetLife

By: Juliann

Verified December 14, 2025

Easy to work with

The coverage is easy to understand, the app is easy to use, and the company is quick to respond to claims. When I’ve needed it, customer service has been easy to reach and helpful. I definitely recommend this company!

Insurer: MetLife

By: customer

Verified December 14, 2025

Great service

Paid claims very quickly

Insurer: MetLife

By: Nanda

Verified December 14, 2025

Overall I am pleased with my…

Overall I am pleased with my experience. The claim submission process is fairly straightforward and the claims are reviewed quickly. My plan covers dental cleaning, which my pets have needed yearly since I signed up. My main complaint is the fact that preexisting conditions are not covered (which I knew when I signed up and is not specific to MetLife Pet Insurance). I find that terribly unfair in general and wish there were an evolution in the pet insurance world as there has been in the human health insurance world.

Insurer: MetLife

By: Lisa

Verified December 14, 2025

The claim process has been long and…

The claim process has been long and confusing. First claim was denied when I asked the person said it was in error. So had to start all over. Then the app showed missing documents. I had to call again because I submitted them . They said they had everything. Its been that way each time.

Insurer: MetLife

By: customer

Verified December 14, 2025

MetLife pet insurance makes it really easy

MetLife pet insurance makes it really easy and hassle free to get reimbursed. I never have to worry about expensive vet visits or medications because they cover it.

Insurer: MetLife

By: customer

Verified December 14, 2025

Not all pre-existing conditions are actually pre-existing

I'm rather upset about they way my claims were handled for a dog I adopted. Some claims were designated as pre-existing, even though the dog had been tested and given a positive physical. I do plan to appeal.

Insurer: MetLife

By: customer

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