219,818+ Pet Insurance Reviews You Can Trust
Pet parents across the U.S. and Canada have left over 219,818 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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Easy to submit claims
Easy to submit claims, good coverage, prompt payout
Insurer: MetLife
By: customer
Claims Handling Practices
MetLife has attempted to deny claims despite clear documentation and prior claim history confirming the condition is not pre-existing under the policy. At policy inception, there was only one named pre-existing condition which was conjunctivitis. The delays and denial reflects multiple failures: failure to review prior approved claims, failure to review submitted medical documentation, failure to correctly apply policy terms (including the Pre-Existing Condition Coverage Endorsement on my policy), and incorrect coding of the condition. MetLife’s suggestion to file an appeal is improper on these claims. This is not a dispute requiring new information, but a failure in initial claim handling. Requiring an appeal shifts the burden to the policyholder to correct the insurer’s error. This contradicts prior determinations and policy language. While some claims have been handled swiftly, having to explain and show them their own policy language, where to look on submitted documentation and what to review on prior carrier information to see what was excluded, as well as repeatedly having to send in the same documentation in concerning which is why the 3 star overall review is being given. As an insurance professional, I am concerned that consumers who do not fully understand policy language may be unfairly denied coverage without realizing the error. This raises concerns regarding improper claims practices.
Insurer: MetLife
By: Lisa Cohn
I was very disappointed
I was very disappointed. It was the first time I had purchased pet insurance. We rescued an older dog from the humane society. He sat in the kennel for months and nobody was interested…because he was old. Once we got him out of the kennel, we realized he was so very sweet. I was fearful nobody would come for him or even worse. We took him home, best dog ever. We decided to get pet insurance so we could take the best care of him. We had embrace for a couple months when they suddenly wanted to do a review of his health. We had no history of his health being a stray. They contacted our Vet to inquire of their findings. It was all things that older dogs have. Embrace asked that we do over $2,000 worth of testing to rule out pre-existing conditions. Of course we did not have that lump sum at the time. I was under the false impression that pet insurance really wants to help you take care of the pet that means so much to you. We will need to find another way to cover whatever he needs in the future.
Insurer: Embrace
By: Tammie Seiders
Easy to enroll.
I'm so happy that my job made this possible and see that our babies are part of our families. Thank you. Love this so much.
Insurer: MetLife
By: Carol
Website was great to follow and easy to…
Website was great to follow and easy to sign my pup up.
Insurer: MetLife
By: Dusti Rocha
Very easy to review and shop different…
Very easy to review and shop different plans. Information bubbles were helpful and seeing monthly cost differences in real time.
Insurer: MetLife
By: Katelyn Wells
Easy & prompt reimbursement
I've submitted multiple claims with Pumpkin, and the process has always been quick, easy, and straightforward. As a first-time user of pet insurance, I was worried that I would be dealing with frequent denials, but Pumpkin has come through effortlessly on every claim submission! Highly recommend.
Insurer: Pumpkin
By: Jenn
Every time I speak to a representative…
Every time I speak to a representative they are always excellent
Insurer: Pumpkin
By: Deserrell Cabbell