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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The app is easy to use.
The app is easy to use which makes sending a claim in easier, but it still takes a long time to be approved.
Insurer: MetLife
By: Dean Karp
Scam Vet Insurance Company
Fetch insurance is a scam company. They make sure your premiums are collected in time. However, upon filing a claim, there denial process is also quick as possible. My pet had an ACUTE kennel cough condition which they labeled as pre-existing since he had the same condition a year ago. The reviewers need to understand pre existing conditions verses acute conditions. Scam company do not waste your money as they look for reasons to deny.
Insurer: Fetch
By: Steven Baron
The claim was easy to submit and when I…
The claim was easy to submit and when I talked to a representative, Joe, he was very helpful.
Insurer: MetLife
By: Tom
I am very disappointed with my met life…
I am very disappointed with my met life insurance I have submitted two claims since 10/21/2025 and have not received one reimbursement I have called six times and have told the checks are in the mail you have debited my visa three times and received my initial deposit but you have not responded to any claim this is fraudulent and I will be contacting t Pennsylvania consumer affairs and filing a formal complaint
Insurer: MetLife
By: John iatarola
Did not receive email that to renew…
Did not receive email that to renew insurance for the year I would have to call. On website said I was covered to 2026 when I filed a claim. Apparently that was just in a 30 day window. Company would not honor the 90% plan i had because it ran out.
Insurer: Nationwide
By: customer
Stay away from
I had a policy with embrace for two years. All of my first year claims were denied. In my second year my dog unfortunately had breast cancer removed, embrace covered $1100. On the third year renewal after only paying out $1100 in two years, embrace TRIPLED my annual premium. It was fine and dandy when they were collecting my money without paying claims but then the second they had to cover something they price gauged me. Cancelled same day.
Insurer: Embrace
By: Jmore
The review and turn around time of…
The review and turn around time of processing the claim was quick this time. My experience with past submissions was waiting 5-7 days for the claim to be reviewed and processed.
Insurer: MetLife
By: Joan Labanca
Do not recommend them
I do not recommend them for pet insurance. The whole communication is non existent. They have lack of customer sevice. The lack of knowledge is disappointing. You pay for the insurance and they when it comes times to use it they give you the run around. They do not tell you what is going on. It took over 3 weeks and yet with all the information denied my claim. They did not read all the reports just focused on the what they wanted to. When I reached out to them to discuss i was told that it was already denied and nothing I could do. I am so disappointed in this company. Now we are stuck because anywhere else is preexisting. I am still looking to find one and if I do I will be leaving this insurance and lot looking back. If you want good pet insurance this is not it.
Insurer: Pets Best
By: Karen