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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MetLife Pet has been wonderful
MetLife Pet has been wonderful. The claims process is super easy and I was reimbursed quickly. I am very happy with MetLife!
Insurer: MetLife
By: customer
Easy to upload receipts
Easy to upload receipts. I got prompt notification of the claim being received and under review. Then my reimbursement followed within 7 days. Met Life makes it easy! I highly recommend.
Insurer: MetLife
By: Vicki Vickers
The ease of filing a claim and the…
The ease of filing a claim and the response time to get claim completed.
Insurer: Healthy Paws
By: Melvin Classen
Best Investment EVER
I was on the fence about getting pet insurance when we got our puppy, but decided to try it out and it has been the best investment EVER. If we ever run into an issue with our puppy getting sick or injured, knowing that we have MetLife on our side and to help offset some of the costs has been such a lifesaver. I love how MetLife offers fully customizable plans so you can do what's best for you and your pet. My claims are always reimbursed quickly and without issue. I will never go without pet insurance!
Insurer: MetLife
By: Brielle
Generally good, but can be trigger happy on denials
Generally they have been responsive and approved claims but I had to fight an early denial on a basis that made no sense and took a significant amount of work and time to get overturned once escalated.
Insurer: Pumpkin
By: Keith
Be cautious of Figo's policies
If you’re thinking about getting pet insurance through Figo, I’m begging you to hear my story first. I took out a policy with them in September for both of our miniature schnauzers. One of them had been dealing with allergies, and I wanted to make sure we were doing everything we could to keep him healthy and protected. Then, out of nowhere, our sweet dog was diagnosed in November with a rare and devastating form of cancer—something we never could have prepared for. It was a shock, and all we wanted was to get him the care he needed. But when we filed our claims with Figo, hoping the insurance we’d been faithfully paying for would help, they denied every single one. They labeled everything as “pre-existing,” even though the cancer was diagnosed months after our policy began and confirmed by our veterinarian. It felt like they were looking for any excuse to say no. Because of those denials, the costs piled up quickly. We did everything we could for him, and thankfully we were able to cover the bills—but I kept thinking about families who couldn’t. No one should ever have to choose between paying their bills and saving their pet’s life. The hardest part came when our beloved dog lost his battle with cancer. In the middle of grieving, I submitted a claim for his final expenses, hoping at the very least they would honor that. They denied it too. That last denial was like a final blow. Figo has been the most disappointing and heartbreaking insurance experience I’ve ever had. My hope in sharing this is simple: to spare someone else from going through what we did. If your pet is sick or suddenly faces something serious, you need an insurance company that will stand by you—not one that turns away when you need them most.
Insurer: Figo
By: Jonathan Fisher
Questions are always answered and…
Questions are always answered and submitting claims are easy and received payment quickly.
Insurer: MetLife
By: customer
Horrible
Horrible. Stay away from this company at all costs. They actually find ways to get out of paying by stating “pre-existing conditions” for everything. I paid almost $10,000 at emergency vet and was reimbursed NOTHING.
Insurer: Embrace
By: Lauren Casey
You make it mostly easy to file a claim…
You make it mostly easy to file a claim and I get paid back pretty quickly. It's nice to have insurance for my pets
Insurer: Spot
By: Snowed in
Terrible insurance company
Terrible insurance company. Absolutely terrible. I enrolled two of my dogs and they did have new illnesses within a year of the date of enrollment and Prudent Pet denied all claims for pre-existing condition when there was no pre-existing condition. The worst you can expect from an insurance company. Do not waste your money.
Insurer: Prudent Pet
By: Mel Day