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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I was offered a trial at the vet the first visit with my puppu. They wanted to do blood work because he had swollen lymph nodes. I went home and started looking into the policy to see what was covered and saw the pre existing condition in the policy and the wait period. I CALLED. I explained the situation and asked if I was covered. The guy said yes because of how I received my trial. I was put at ease over the news that all the testing I'm now having to do will be covered a bit. He told me I did have to complete my sign up and pay for next month and pick my policy. I was fine doing this. Well now I get notice how none of it will be covered due to pre existing. How the waiting period wasn't waived. Do I just paid for something that wont help things we are experiencing. I plan to go online after this week and try to get my payments refunded. I can get insurance through healthily paws at my job and I'll have that incase of injury. How unlucky to bring a puppy in for an exam. His first with your personal vet and have issues that makes all this worthless.. and how upsetting it is to be told one thing then another. And the way they needed money to not lapse coverage when I called about it. I was having and recommending but I will definitely tell people to be weary.
Insurer: Trupanion
By: Taylor
Not as good as it looks!
I was distressed with two important issues with my policy: 1. Having both a deductible and an eligible cost cap: With long-time experience with insurances, this was the first time that both were applied. 2. Very disappointed and upset that the applied taxes were not covered in eligibility rules. The purpose of insurance is to cover the costs associated with illness or injury. Unfortunately, taxes are apart of the "real costs". Often, these costs are high enough to cause unneeded stress anc hardship. Since they are costs that are associated with the claim, they should be covered.... end of story. Just the taxes on a catastrophic injury to a pet such as mine is financially crippling!!! 3. Visits to the vet in an emergency situation should be eligible! 4. A better job needs to be done to explain the main components of the policy by sales representative to ensure they fully understand their policies. Leaving it to them to simply read themselves is inadequate. In my case, I was told about the deductible but haf no knowledge about the 90% cap or taxes eligibility until later. I fully understand that some of that blame is on me for not comprehensing what I was reading but some of the information was misleading. I am fully supportive of pet insurance but after this experience, I am not sure about recommending this company!
Insurer: Trupanion
By: Todd
Filling out your survey.
So far your insurance product has been of modest value to us as far as what has been covered.
Insurer: Nationwide
By: John
Very easy to file claims with a quick turn around to receive your payments.
The few times I had to call Nationwide with a question, their staff were very friendly, knowledgeable, & efficient. They were also easy to talk with. Claims are easy to file & were paid out in a timely manner.
Insurer: Nationwide
By: Pam
Extremely happy with Nationwide Pet Insurance experience
Very pleased with Nationwide Pet Insurance - I have had many pets over the last 15 years, and have tried multiple pet insurance companies over the years (more recently Trupanion and Healthy Paws in last 10 years). Nationwide with the wellness rider covers everything that the other insurance companies do not (preventative care, office visits) - and they reimburse quickly. Most recently I had a $950 invoice that covered a biopsy and pre-anesthesia package for tumor removal... the vet visit was on a Monday and I had the full (100%) reimbursement in my bank account by Friday (VitusVet app). I'm really impressed with how streamlined this experience with Nationwide has been and the extent of coverage - especially through this difficult time after learning my 9 year old Lab was diagnosed with a malignant tumor.
Insurer: Nationwide
By: Kelli
Love This Pet Insurance - Love the only pay the deductible once!!
I really like my Pet w/Wellness insurance with Nationwide, I had another plan before with one of your competitors and couldn't wait to change, after the loss of one our girls who had a pre-existing condition so we were stuck with them. Despite the ever-increasing rates (large increases), my girl's "final expenses", emergency services & cremation were not covered and it was just so callous and awful. Our new puppy is now well covered and all of her vaccinations, prescription food, flea & tick med, heartworm med are all now covered - next up getting her spayed and microchipped - both covered by this new policy. Can't say enough good about this company. For only a few dollars more per month I'm getting WAY better coverage for our "old" girl who I switched from the other company and for our "baby" who has been on Nationwide since we got her at 9 weeks old - she's now 7 months old and all of the new puppy vet stuff has been fully covered after paying the $250 deductible ONCE, not at each claim.
Insurer: Nationwide
By: Karen
Quick, efficient, and comprehensive
This past October, I got my puppy Archie and I couldn't be more in love. Archie is a long-haired Dachsund, and although he is small he is the more energetic, happy little dog. I never envisioned myself with a Dachsund, but when I found this little puppy at the animal shelter I knew I had to have him. When I got home, I looked up health problems Dachsunds are prone to getting and learned that due to their distinct shape they are prone to more issues than other dogs. Archie thankfully has no pre-existing conditions, and I want to make sure he lives a long, healthy life. Regular Vet visits are imperative, whether a puppy or in Archie's later years. I have never bought pet insurance before and was a little nervous. But, after visiting Spot's site, I learned how simple and comprehensive their plans were. I got an immediate free quote specific to Archie. Now Archie never has to be without proper care. Things that stuck out to me: 1. Visit any veterinary 2. Free custom quote specific to Archie 3. Monthly low payments 4. Their goal is to process your claim within 7 days or less, assuming proper documentation is received. This was huge for me since I live on a fixed income. The best feeling is knowing I never have to choose between Archie and the care he needs.
Insurer: Spot Canada
By: Alexa
Best Pet Insurance
Going with ASPCA pet insurance was the best decision we made. Our Bully is now 3 yrs old and unfortunately, since he was a puppy he has been through some rough times regarding his health. Luckily, ASPCA no questions asked covered all his visits and 1 major surgery he has had up to 90% reimbursed. Their customer service are super friendly and knowledgeable as well. You will have no regrets two thumbs up.
Insurer: ASPCA
By: David
Completely satisfied
My 100 pound dog suffered a mishap on our steep wooden attic stairs. Needed attention from our vet as his paw was not able to bear weight. Vet confirmed strained tendons and an infection ensued from continual licking of the affected area. Submitted report and receipt from the vet and was reimbursed for his treatment. Completely satisfied!
Insurer: Pets Best
By: Tory
Easy and affordable
I LOVE this company. When my dog got unexpectedly sick, they came through and made the claim process very easy and stress-free! I was dreading dealing with trying to justify my dog's expenses, but I had absolutely NO issues with Pets Best! Highly recommended!!!
Insurer: Pets Best
By: Missy