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They make it as difficult as possible to get reimbursed. They have ridiculous and unreasonable qualifications for what paperwork is acceptable and what’s not, even if it details everything necessary for them to be able to process the claim, i.e. invoice, pricing and soap notes. Customer service was unhelpful as well and didn’t provide any solutions as to why my paperwork was denied. Eff you MetLife.

not an efficient company

My poor kitty had vomiting and dehydrated and was seen in the emergency room. My claim was quickly and easily filed and reimbursed. I almost didn't believe how easy it was! No catch or small print to get out of paying the claim. I even signed up my second cat for a policy too because it was so easy and reasonable. Thank you!

Quick and Easy processing of claims- No Hustle! My only remark is that it is sometimes hard to fill up the specific 'Condition' that your Dog was treated for- since it is almost all in Professional Vet's names/codes.

All they do is burn you down until you give up trying to get reimbursed for your claim and vet bills. I could have saved the $28,000+ paid into my Fetch plan and used it for the $10,000 in bills I paid out of pocket for worthless insurance. I think I've only got $364 reimbursed so far. Our Dog developed a immune deficiency disorder that has been paid for out-of-pocket over the last several years. We have also kept up on all her wellness visits, shots, and accidents she has gotten into over the years,

Lemonade has made claims for my Lexi simple and easy. I had my funds in less than 48 hours with no hassle. Easy to upload and someone there on the chat if need assistance. This is one of the best things I’ve done as a pet owner, to get Lexi and my bank account the coverage they need!

I have to say that the customer service from Lemonade was totally awesome. Everyone I interacted with was so professional and at the same time, kind and understanding.

In your review of Spot Pet Insurance, you mention pre-existing conditions. We have had two claims disallowed due to definitions by Spot which have no clinical basis. The first occurred following dental procedures on our Sheltie. Her mouth is too small for all teeth and some were extracted. Spot disallowed the claim because, during a previous exam the vet noted in the medical record that the dog had a grade one dental condition - meaning there was tartar on the teeth. Spot said grade 1 indicated "severe dental disease" and disallowed the claim. Grade one is on a scale of 1-4. Spot has failed to provide their scoring algorithms. The second denial was again based on Spot's definition of a pre-existing condition. Thirty months ago, our Sheltie had an adverse reaction of the skin to a conditioner used following shampoo during grooming. Subsequently, we have instructed groomers not to use any conditioning products and there have been no issues. Earlier this month the same dog was treated for an ear infection. Spot disallowed the claim due to pre-existing conditions. Despite no entry in the medical record to support their decision, Spot determined that the ear infection was caused by the same "allergies" that caused the skin reaction thirty months ago. I believe this is a fraudulent way to avoid paying claims. Please add this practice to the "Cons" of Spot Pet Insurance.

The process for submitting a claim on my pups annual wellness visit and booster shots was super easy—the app walks you through step by step what info to enter and then easily uploading a picture of my invoice. I immediately received confirmation of the amount I would be reimbursed directly to my bank account. Awesome service!

I have been given the run around from the insurance company regarding a claim for my dog. I am being told that documents I uploaded are missing. I have been on the phone with three different people who all assured me they had everything they needed and I get told documents are missing and it’s a different document every time. I had a chat agent end the conversation in the middle of trying to resolve this issue. I have emailed documents over multiple times and even pulled up the claim in the app and was looking at the apparent missing document attached to the claim. I am so tired of being given the run around. They think I’ll forget about this but I’m not going to. I expect my claim to be processed and to be reimbursed for the amount promised on the policy.