Claim Coverage
Explore detailed reviews about the claims process and coverage provided by pet insurance companies. See how quickly claims are approved, what’s actually covered, and how satisfied pet parents are with reimbursements.
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There should be a way to verify coverage before surgery!!
My dog tore his ACL back in March. That claim went well and it was covered. Unfortunately he tore the ACL on the other leg. After searching online I found out that dogs are 40 - 60% more likely to tear the ACL on the second leg. I also read online that most insurance companies will not cover the second surgery. Soooo I called Nationwide. The person I spoke with did read the disclaimer about not being able to tell me the claim would or would not be covered. BUT she said not to worry that it would be treated as a separate incident because it is the other leg. I went on to tell her that I read online that most insurance companies will not cover if it happens to the other leg. She told me that only happens when people get insurance after the first torn ACL and then its considered a pre-existing condition. I am not happy with the way this second claim was handled. Nothing paid out on a $4100 claim. I have insured this dog since I got him 10 years ago. I was told I maxed out the benefit for the year. Why couldn't the person I spoke with on the phone to ask about the coverage tell me I maxed out my benefits? Why can't I speak with an underwriter to find out if there would be coverage? I will not recommend this company to any of the many dog owners I know. Instead I will recommend Healthy Paws or Trupanion. Thanks for being on my side Nationwide!!
Insurer: Nationwide
By: Christine
Denied Claim
Our claim was denied based on a referenced part of the policy that excluded repeated occurrences despite the fact that I disclosed our Lab's history when enrolling. There was no indication that these claims would not be covered when enrolling. Instead, we were left eating over $5K of surgical expenses. We are once again, dealing with a bad faith decision from a corporation due to a technicality buried in a legal document.
Insurer: Pets Best
By: Jeffrey
The best pet insurance
Healthy Paws has provided insurance coverage for my dogs since 2010 and they have been exceptionally supportive. My Cavalier was diagnosed with heart and lung disease when she was 10. With expert veterinary oversight she lived until she was 14. Healthy Paws covered a healthy part of the expenses from tests and medications that enabled her to live well for those additional four years. New dog, Papillon/dachsund mix, can't get into enough trouble, resulting in several trips to the emergecy animal hospital. A few weeks ago she swallowed some coins (from where???) and needed an endoscopy to remove them. The surgery would have been unthinkable without Healthy Paws. I am impressed with how generous their reimbursements are. Submitting claims is easy through their app. They communicate frequently to let you know where your claim in in the process. Turnaround time has been quick, even with the CoV19 slow down. Five thumbs up (if that's posible).
Insurer: Healthy Paws
By: Verlee
This insurance is worth every penny
I am new to pet insurance and boy am I glad we have it. Our dog was diagnosed with thyroid cancer this year. This pet insurance has allowed us to afford the monthly pills along with the blood work and vet visits every 3 months. Worth every penny, I wish I would have done it sooner.
Insurer: Nationwide
By: Andrea
happy
I have had insurance withy ou for years and never really had to use it. Now that Pepe is 11, I have found I have needed to submit claims almost every month. I have always had almost 100% reimbursement for his illnesses, and some fall in Not covered, or a limit of coverage for an ailment. Im happy.
Insurer: Nationwide
By: Cynthia
Excellent
I am very pleased with Nationwide! They cover so many procedures. When I send in a claim they notify me when its been received and I get my payment within 30 days. I have recommended Nationwide to family. My daughter and sister have this insurance for their dogs.
Insurer: Nationwide
By: Cherie
Excellent, Swift and Easy
When our young puppy injured his paw, Nationwide was there to help unexpected vet bills. This was our first time purchasing pet insurance. I highly recommend! While I hope we never have to leverage the insurance coverage again, the peace of mind is well worth the insurance premium!
Insurer: Nationwide
By: Diana
Biscuit survey
Claims for Biscuit are always handled promptly and fairly.
Insurer: Nationwide
By: Janes
Quick turn around
Speedy service and payment for Miley's surgery and meds. Was a rough time, but I appreciate how quickly you verified and paid the claim. She is much better now!
Insurer: Nationwide
By: Jane
Great coverage, easy process
Having our puppy insured with Healthy Paws has been a great, easy experience! Our puppy became very sick and he needed to have multiple vet visits and diagnostic testing to determine what was wrong. Every vet visit bill we were able to easily upload on the Healthy Paws site and the process for approval and reimbursement checks was extremely easy and quick. Thanks to Healthy Paws we were able to make sure we got him the necessary and best treatment.
Insurer: Healthy Paws
By: Acadia