217,070+ Pet Insurance Reviews You Can Trust
Pet parents across the U.S. and Canada have left over 217,070 verified reviews—real stories, real experiences, real insight. Whether you're after the best price, fastest claims, or friendliest service, our reviews make it easy to compare top insurance providers and find the perfect coverage for your pets.
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Fast reimbursement
I follow the guidelines of what needs to be submitted for reimbursement (including the detailed vet bill and S.O.A.P. notes along with any other comments). I sent the documents on a Thursday evening. MetLife sent a message alerting me they received it and it would take up to 5 business days to make a decision. Just 4 business days after, I was notified MetLife would reimburse me 95% for the vet's total billing.
Insurer: MetLife
By: customer
Disgusting unethical company that must be avoided if you love your pets
A horrible, dishonest company that only cares about taking as much money from you as possible. I wish I'd never signed up. First of all, they were recently sold or acquired by Chubb, and since then the customer service and coverage has gone way down and the costs have skyrocketed. They tried to force me to accept a new monthly premium that was more than twice what I was paying before every month for considerably less coverage. Also, no matter your deductible, they apply your *reimbursement percentage* to your net bill. So if your policy is for 90% reimbursement and you pay $500 for your pet's care (all covered procedures/medications under your policy), and your deductible is $250, you're probably thinking they'll reimburse 90% of the rest of your bill, which is $250. Except these greedy hacks actually reduce your entire bill by 90% before applying the deductible, so by their assertion your bill was only $450. Your maximum reimbursement will always be less because of their unfair math. I canceled my policy immediately and went to a competitor. Better coverage and a much lower premium. I really hope this company goes out of business for their predatory approach to pet lovers. I'm sorry for all the good-hearted people who work there but the company's soul is black.
Insurer: Healthy Paws
By: Anna
The premium got very pricey after 2nd…
The premium got very pricey after 2nd yr renewal. It went up over 25/m per dog. In hindsight I can say it was worth it due to having the first claim a few months later. Once I made the claim they missed the diagnostic part of exam and denied it. They corrected it but after making a few calls and having to follow up a few times which was too much work and time spent, they finally corrected it so I very pleased they made it right. Almost all of the reps are helpful and professional. It’s just the constant following up that’s frustrating. Met life kept asking by email for the shipping date of a medication which was sent multiple times and kept emailing me it would be denied if I didn’t submit. So again I had to call two more times to finally get it resolved. I think they should be more proactive getting it rectified quickly. In the end, they reimbursed all of the claim. I’m hoping as time goes on I’ll see improvement in that department.
Insurer: MetLife
By: Dog parent
Super-fast response time!
I was incredibly impressed with how fast the process was handled with my claim. Great experience!
Insurer: MetLife
By: Cheryl
easy claims
the process for sending in a claim is very clear and easy. Refund is paid quickly.
Insurer: Spot
By: Mary Fletcher
Filing claims is quite simple and…
Filing claims is quite simple and reimbursement also gets to be a simple process
Insurer: Spot
By: Maria Ruiz
Easy app to understand submitting a…
Easy app to understand submitting a claim was really easy to do and they were very prompt and getting back to me when it was finally resolved.
Insurer: Spot
By: askandy
Got paid instantly
Got paid instantly. Loved it. Thanks a lot.
Insurer: MetLife
By: M Jamil Hossain
The process for submitting a claim was…
The process for submitting a claim was very easy to do in the app. And claims were processed within a couple of days.
Insurer: Spot
By: Andrew Lewis
Very quick response
Very quick response. No hassles. The claim was handled quickly and payment sent to my account in a very timely manner
Insurer: MetLife
By: customer