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Pet parents across the U.S. and Canada have left over 207,034 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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MetLife Pet Insurance Improper Claim Denial
I was just on the phone with one of their senior agents, Sue Ann. This is the fifth time I am calling on a claim that was originally submitted on 1/30/2026. After five weeks, they denied payment on an entirely legitimate claim totaling $2559.51 related to emergency pet care that was required as a result of a diagnosis of acute hemorrhagic gastroenteritis (HGE), the symptoms of which include extensive blood in the pet's stool. I am awaiting a call from Christi, who I was told would be calling me in 1-5 days. It is my sincere hope that your pets receive better care than this. The reason provided for denial of the claim was a clinical note referencing loose stool. Our dog is now more than 2.5 years old. Are they suggesting that her loose stool has finally caught up to her and that this condition could not have been brought on by perhaps one of a hundred other issues including something as simple as digestion of a stick? I understand that they are in the business of collecting premiums and not paying claims by erecting hurdles that they know a significant percentage of insured parties will not pursue (I'm not that guy), but this is absurd and a flagrant violation of the pact they have between pet owners and the company. Shame on the CEO Brian Jorgensen for fostering this type of culture. They will be hearing from me, consistently.
Insurer: MetLife
By: Seth J. Turok
Didnt refund my full eligible amount…
Didnt refund my full eligible amount tried to use my discounts in ehich they do not pay for. They owed me $50.00 and only gave me $36.00
Insurer: Spot
By: Crystal Burnside
Great per insurance
It was easy to file a claim online. I would get emails every step of the way concerning the claim. When I called to obtain the insurance, the gentleman I spoke to was very friendly and helpful.
Insurer: MetLife
By: Customer Sue Ammon
Made processing a claim difficult, covered 5% of the bill
I'll give them two stars for having a short waiting period before the policy is considered active, but legally they can't enforce a lengthy waiting period in my state anyway. I submitted a claim for one of my dog's bills that came out to $633. It was a nightmare processing the claim and it took over a month for them to send me a check for $36. The point of pet insurance is to make vet bills more affordable. Instead I'm just making pet insurance payments on top of paying the vet bills. I am canceling my policy and would not recommend Embrace to anyone.
Insurer: Embrace
By: Tara Gleason
Watch your premiums
I was a policy holder for 8 years. Last June they more than doubled my premiums without notifying me or asking for my approval. Since they do not send any monthly statement, I did not notice until several months later, but they refused to reimburse the difference. They could not even give me a good explanation for why my premiums went up so much since my pets are healthy and I had never filed a claim. If you get insurance from them, make sure to keep a sharp eye on your premiums and know they can suddenly spike without any approval from the policy holder.
Insurer: Healthy Paws
By: Michael Jacobs Goard
Easy to navigate
Easy to navigate, quote was quick.
Insurer: MetLife
By: Rosetta Wenger
Thank you for having great pet…
Thank you for having great pet insurance. My Billy is covered well. Payment was sent in a timely manner.
Insurer: Spot
By: Marlaine Sauvage
Great company
Took my call right away. Helpful, answered all questions Always fast with reimbursements
Insurer: Nationwide
By: customer
Two things made this experience great:
Two things made this experience great: 1. Prudent Pet has a very significant and well thought out Orthopedic Waiver policy that should interest all dog owners 2. Delaney MonteCalvo who recommended the waiver is extremely knowledgeable and provided a clear understanding of the waiver policy. Delaney's care for the customer, her personality and I hope love for the Golden Retriever made the decision easy for the Waiver.
Insurer: Prudent Pet
By: Ron Pilz