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I've had 2 other Claims for Rosie that went very well. The most current one had a lot of complications and had to make several calls and ask the Vet to send in information several times. I finally got Samantha who was GREAT and understood what was wrong and got a supervisor involved and got my Claim reviewed and finalized quickly- Many Thanks to her and the supervisor who got this over the Finish Line!! Linda Green

After several years of having a policy, this company never paid one claim. Their excuse was always “contacted veterinarian for more information.” According to the vet they never contacted them, and they never paid a claim. Total waste of money.

Beware, they have the cheapest policy for a reason! I'm currently preparing for a bad faith claim against Embrace, and I would encourage the multiple other customers who are posting similar reviews to do the same. Paid for their service for an entire year for my two small, acute claims to be placed on hold indefinitely due to Embrace being "unable to obtain a prior physical from our vet to rule out pre-existing conditions". Please note, the diagnoses for these claims were "laceration" and "broken nail". Received several notices stating I did not need to take action, they would continue contacting the vet's office, and not to worry. Asked our vet to send the records to embrace, and they stated they had. I have used two vets offices in the past, but had only seen one of them within the past year. I contacted that vet myself and uploaded their physical to the portal within the requested time frame but continued to receive the "insufficient information" response. After multiple emails to Embrace about the status of my claims I finally decided to give up and cut my losses on the claim amounts. After calling to cancel and ask for a refund of my policy (since they withheld services for my claims due to "insufficient information" but continued charging my card) I was told I would not be able to be refunded for "their coverage provided to me" (again, none of my claims have been able to be processed. I would not consider that to be "coverage provided" and I doubt the bench will either). Per customer service since I had two vets listed in my portal they were awaiting records from the vet I hadn't seen in the past year (because they don't exist). Per the representative they have to have documentation from years prior even though I uploaded a physical from the other vet as requested. I called the other Vet myself and had records from over a year ago emailed to ME instead of requesting they be sent to Embrace. They were in my inbox within minutes, no questions asked.... Called customer service back and asked if they ever called the vet's office instead of trying to contact them via robot emails and was told "usually only after we have had several failed requests AND THE CUSTOMER ASKS US TO". Seems like they will do anything they can to take your monthly payment without working to help you or your pet! Hoping my claims will be fulfilled since I have taken action. If that is the case I will happily update my review from 1-star to 2.... but I'm not holding my breath.

Have not submitted a claim yet to Metlife Pet Insurance, I'm hoping that it's all that it is said to be or claims to be.

I love the interaction with the bot. It took me through everything step by step. The bot was intuitive when it came to the tests!!!

We had never used my pet insurance and because my furbabies had always been healthy and they had reach the age the premium was increasing a little more than I was comfortable with, I almost cancelled my insurance. Decided to keep it one final year. My oldest furbaby developed Lymphoma. Because we had MetLife we were able to get the best treatment possible for her and as of today she is still in remission. I learned my lesson. We will never be without insurance for them. MetLife as been wonderful through it all, reimbursements, claim processing and even renewal.

I had never used the insurance and had first obtained it 8 years earlier. I almost dropped it as the premium was rising. But she was diagnosed with Lymphoma earlier this year and the insurance made it possible for me to afford chemo therapy treatment. She is alive today because of this insurance.

I'll be very honest, I was skeptical this pet insurance thing really worked. I'm happy to say I was very wrong!! Our dog racked up nearly $3,000 in vet bills over a 4 day period. PetsBest answered the call and reimbursed 90% of those bills (per the coverage I have). They are GREAT! I would HIGHLY recommend them!

I found out about Nationwide Pet Insurance through an extra benefit that was being offered through our benefits at my place of employment. Needless to say I jumped at the opportunity and added Nationwide Pet Insurance as a part of my benefits because at the time we had two cats in our home at that time. Knowing the importance of taking care of your pets and their health is important to any pet owner. Each year we take our pets in for their check ups and when it is done I have filed a claim through Nationwide and in just a very short time when nationwide has received my claims and processed in just a few days I have received a check to my bank to help with the expense. We recently went through the process with Riley who is five and is a real sweetheart. I am just amazed hour quickly how everything is done and we will continue to do so with each visit we take our cats to our veterinarian whether for a check up or illness. Nationwide is the right insurance that takes care of you and your pet. William Graham Birmingham, Alabama

We have had Pets Best Insurance for most of our dog’s life. 5-star company with professional interactions and zero complaints. However, something changed in late May / early June of 2023. This was the first time I’ve had to wait for an answer (not reimbursement), on a submitted claim, for almost a month. I called customer service to make sure it wasn’t a mistake on my end, and I received this response “I see that you have had minimal time delays in prior claims. Do you understand that it could be between 14 to 40 days for a claim to process?” Am I the only one that did not know this? 5 Stars dropped to 3 Stars.