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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Pet insurance through Nationwide is *almost perfect!
Overall, I’m happy with the service Nationwide provides. Claims are easy to file, they process claims quickly, and electronic payment is almost instant. The reason I rated it an 8 instead of a 10, is due to preexisting conditions placed on puppies. My puppy was 4 months and came from a pet store. He had kennel cough and irritated skin from being in the store. Now, none of those things (skin and upper respiratory infections) are covered by Nationwide. It’s frustrating because those were things that I couldn’t control - and he was a puppy. I think there should be a period where all pets, regardless of issue, should be covered. Especially if they are a puppy and could either be born with it or easily cured after a week.
Insurer: Nationwide
By: Jennifer
Easy, convenient, and great service
Hartville Pet Insurance has been an excellent service, from claim-filing, to speed of reimbursements, to customer service overall. Hartville has made filing a claim easy, accessible, and stress-free. Hartville also provides claim reimbursements very quickly and the option for direct deposit definitely speeds up the process and makes it convenient. I was shocked to have received a call from a Hartville associate to check up on how my pet, Oliver, is doing and very-much appreciate the great and personalized service. I would absolutely recommend Hartville to other pet owners.
Insurer: Hartville
By: Louis
Terrible insurance for Dane's
I had 1 claim which was denied: she needed pills for a "pre-existing" (6 months old) skin issue (bumps) i understood that. but after 3 years they increased my rates ~%60 60.00USD -> 106.00USD their reason: Breed, Location, Age, Gender. thanks this dog is getting destroyed as it is not worth having it while paying 1200+USD/year (while each year the rate will increase) to help her in her later years. sorry y'all im a veteran and the dog has better insurance than i do, and cost 106USD more... don't worry i will give her plenty of great food and take her everywhere i can; but ultimately this dog will not have insurance after this month, so might as well get her destroyed instead of paying outrageous amounts for "in case shit happens" while watching her suffer for years after hip displacement., or the ultimate heart failure. great job pets best. glad you care so much.
Insurer: Pets Best
By: Ivan
A heartfelt Thank you for helping to save his life
Kirby was diagnosed with “Valley fever”. Being a new doggie mom I was so scared to loose him. With the help of ASPCA, we were able to get him the help he needed. Thankfully at this time he is on the mend and waiting to see how he can hold on his own without medication. I am grateful to have the help and support, and in two more months we will see how things resolve for our handsome boy. Thank you again for not making things difficult during an otherwise trying times. I full heartedly recommend ASPCA pet health insurance. Without their help we would not have our sweet boy in our lives. We are grateful 🐕
Insurer: ASPCA
By: Hedwig
Super fast turn around time!
I sent in a couple claims for my pup and had the reimbursement direct deposited in my bank account in less than 2 weeks. It's never been so fast and it came at a really good time since his most recent visit was so expensive. I also loved that I received a message checking in on his well being. That was very thoughtful and appreciated.
Insurer: Nationwide
By: Bryanna
The Love of My Life Is Feeling Much Better
M little girl, Madison, had a tough week with a bladder infection and constipation all at the same time. Thee poor thing was miserable. She is back to normal with a smile on her face and kisses for all. I am thankful that I have the wellness plan that helped me defray some of the cost involved with her treatment. I loved the ability to use the health line to get advice and comfort that all was going to be okay.
Insurer: Nationwide
By: Micheal
Exceptional customer service
My dog had caught an infection of some sort a few months ago and he’s been in and out of the clinic. After numerous tests, a surgery for remove an infectious mass and 30 days of antibiotics, it seems like he’s going to be great. Throughout this stressful time, ASPCA was a tremendous partner. It was so easy to submit my claims and I was refunded so quickly! They never pushed back as long as I provided details along with my invoice. They made my decision to get Bodie the help he needed so much easier and without the financial burden. They’ve called me a couple of times to check in with Bodie and to see if I needed any assistance. They are an outstanding company with truly compassionate individuals.
Insurer: ASPCA
By: Deb
Great customer service
My dog Guinness ended up needing major ACL surgery. Filing a claim is so easy with healthy paws and the customer service is amazing. They even emailed me to ask how he was doing after his surgery!
Insurer: Healthy Paws
By: Katy
A Worryfree Experience
I never would have thought I would be taking my dog to emergency at 4:00 am. At least when I did I knew she had insurance to help with the cost. I didn't need to make a decision to treat her or not. She is back to being her playful self. I was at my Vet this morning for her annual shots and I mentioned to him how pleased I was getting reimbursed and he asked which company I had insurance with. He had a patient with another insurance company that was trying to deny a claim and wrote a letter to them just this morning.
Insurer: Nationwide
By: Sharon
Worth paying the insurance!
Recently our 9 1/2 year old Labradoodle/Goldendoodle (Mac) had a medical emergency. He was literally fine one moment and the next he couldn't raise his head and could barely walk. We were concerned that he had had a stroke. We immediately took him to our vet and they ran numerous tests with nothing coming up negative. However, during the three hours we were there, Mac didn't move. They sent us home and recommended that if he didn't improve we should take him to an animal hospital in our area. We did that and after running an ultrasound on him found that he had a cyst on his spleen which has burst and he was bleeding internally. They further stated that if he didn't have surgery that evening he would probably not make it through the next day. We were shocked as Mac has always been a pretty healthy boy and this occurrence came out of the blue. With that discussion came all the questions of resuscitate/not resuscitate, costs, etc. Needless to say we were in shock. The one comfort we had was that we knew that we had Healthy Paws Pet Insurance to at least help with the cost of surgery. I have to honestly say that we had thought about cancelling it over the years as costs went up but we ultimately kept it because is was "insurance" in case Mac got really sick. While we are still in the followup stages with what happened with Mac, the surgery was successful and we are very grateful to the doctors and the surgical facility who ministered to him and also to Healthy Paws Pet Insurance. They handled all the claims quickly and easily and paid on the plan we had without a problem! I can't imagine having not being able to provide the necessary surgery for Mac to survive. My husband and I strongly recommend Healthy Paws Pet Insurance. Your pet will thank you!
Insurer: Healthy Paws
By: Diane