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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UNETHICAL LOOPHOLES. Do NOT use Embrace!
If I could give this company 0 stars I would. I enrolled in Embrace Pet Insurance through USAA in April for two cats. I added my dog later so I have been paying nearly $100/month for all 3. What I got in return was a masterclass in how to deny coverage without technically breaking the rules. One of my cats, Boots, was diagnosed with anxiety MONTHS after her policy started. That means it was not pre-existing and should have been covered. I understood I had a $500 deductible and accepted that I'd be paying out of pocket until I met it. However, TODAY 12/19/2025, when I called to ask about lowering my deductible at renewal (expecting a higher premium), I was told that any policy change would cause them to "reassess preexisting conditions" , and suddenly, her anxiety would be considered pre-existing and excluded entirely. Let that sink in for a second... A condition that developed while insured magically becomes pre-existing if you try to adjust your coverage... This effectively traps you in the original plan and punishes you for having a pet who actually needs ongoing care. If you're buying this insurance hoping it will help with chronic conditions, behavioral meds, or long-term care, don't. It works fine if nothing ever happens. The moment you need it, or try to make your policy actually useful, the loopholes appear. Extremely disappointing, especially given the USAA partnership. I cancelled all policies and would never recommend this company to anyone who actually loves their pets.
Insurer: Embrace
By: Madi Leigh
The claim was very easy to file and the…
The claim was very easy to file and the response was quick.
Insurer: MetLife
By: customer
Easy as Pie claim
It was so easy to file a claim for my 4 legged friend. Just had to uploaded the receipts and 12 months of my pups records for first time and submit. Got a response after a few days and claim was completed with a refund of 80 percent of what was requested. Easy peasy.
Insurer: MetLife
By: David C
Coverage is great and for a fair price
Coverage is great and for a fair price. Customer service was helpful explaining the different plans and getting the military discount added for us.
Insurer: Prudent Pet
By: Sally
Great experience
Metlife is very easy to work with and quick to pay approved claims
Insurer: MetLife
By: Michael Sullivan
Very easy process and quick turnaround…
Very easy process and quick turnaround on claims. Very happy with MetLife Pet Insurance
Insurer: MetLife
By: Joe S
Super happy with the coverage and easy…
Super happy with the coverage and easy claim process
Insurer: MetLife
By: customer
While the customer service is very…
While the customer service is very nice, whoever is working the claim behind the scene is causing a lot of issues. Every claim I submit there seems to be a rebuttal and more work required. It seems like they’re doing everything not to pay my claims. In addition, the premium went up $100 a month, which is steep after just one year.
Insurer: MetLife
By: Carolyn
Fast and effiecent processing AND kept…
Fast and effiecent processing AND kept me in the loop!
Insurer: Fetch
By: Victoria
Best Pet Insurance I've Worked With
The overall process to submit a claim was very simple and straightforward. And I actually ended up getting reimbursed for more than I was expecting, which was beyond amazing! It took a bit longer than was ideal for things to process and get reimbursed, but overall this was definitely the best experience I've had with a pet insurance company.
Insurer: Pets Best
By: Molli Baker