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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They made it very easy
This policy really came in handy with my dog when she was diagnosed with lymphoma.They covered the treatments no questions asked!
Insurer: ASPCA
By: Mike
I love that my claims are processed very fast and efficiently.
My claims are always processed efficiently, and when I call in with questions, the representatives are always very professional and knowledgeable.
Insurer: Nationwide
By: Debra
I am so glad I selected ASPCA Pet Health Insurance
I never had pet health insurance with my past four dogs, but when I adopted my Charlie I researched various pet insurance plans. Although Charlie was just a puppy, ASPCA had a reasonable plan, so I enrolled. Little did I know, that at four years old Charlie would get sick and needed considerable veterinary care. Treatment was not cheap and, never having had insurance prior to Charlie, I did not know how the insurance policy would work. Well, I have to say that I feel that ASPCA was extremely fair with their settlement.
Insurer: ASPCA
By: Joan
Poor customer service and advertisement
This complaint is in regards to my dog, Ozzie. He recently had a surgery for a torn ACL. I sent in prior authorization for this claim. My dog is now recovering and his veterinarian is recommending hydrotherapy, physical therapy, dog aquatics, etc. I had never heard of that for dogs before. I called trupanion to ask about coverage. The representative stated that in order for this service to be covered, I would have needed to include it on the prior authorization form and add the service on to the policy prior to the surgery. As far as prior authorization goes, all the veterinarians that I have worked with (which have been many, as I have always had pets) put the surgery information on the PA forms, not the recovery information. Pet owners are not necessarily medical people, so they should not include too much information all at once. But rather, first talk about the surgery. Then, talk about recovery during a follow up appointment, which is what I did. 9 days after the Ozzie's surgery, I made a follow up appointment. During this appointment, the veterinarian explained more about how I should proceed with the recovery process. He stated that hydrotherapy and physical therapy would be a good idea for optimal recovery. At this point I asked trupanion. As far as I was knew, anything related to the issue was covered at 90% after the deductible was met. Why would this be different? I had absolutely no knowledge of PT and hydrotherapy being additional add on services, and I have been a loyal customer for almost 6 years. Other people have tried to even get me to switch to Embrace and I have refused because I have been content with trupanion. Apparently this information was written on the policy. I was never aware of it. Had I been aware, I would have looked into it further prior to all of this happening. I had no idea that this service would have needed to be included in the PA form. This situation is not fair to me because if I want my dog to recover best, I need to pay a lot of money for PT services. It is not fair to my dog because I will not be able to pay for that, as I do not have the extra money to do so. It is not fair to my veterinarian in that he was including surgery info on the PA, not recovery info. It does make sense to include recovery info before surgery when an apprehensive dog owner cannot handle all of that information at one time. Even with human surgeries, doctors are the same. You learn a little bit about the recovery before the surgery, such as diet or resting, but learn more in depth during each follow up visit. Every incident that has happened, I have always done the same thing. I email the claims department the invoice, they add to deductible or cover it at 90%. That is what I was doing with this issue as well. I posted that comment on the Better Business Bureau website. Trupanion basically told me to shove it and that they were available to answer questions. The company never resolved the issue and I am still unsatisfied. They are awful
Insurer: Trupanion Canada
By: Alyssa
Heart Failure Claim
My cat went into heart failure and was hospitalized for 3 nights, my claim was dealt with in a timely manner and I was re-reimbursed before the charge came through on my credit card. Outstanding service from ASPCA.
Insurer: ASPCA
By: Sean
I’ve tried several different companies, this is the best!
I’ve been more than pleased with the payout this company has made—and I’ve had others that I would recommend to no one! Even when my pup had eye surgery, they basically paid the entire bill! I couldn’t be happier! Oh, and the ability to upload and submit bills online has been a big plus, as well!
Insurer: ASPCA
By: MaryAnn
The best insurance company!!!
Nationwide gives the best coverage and customer service! Claims are processed in a timely matter and even faster than I expect! They keep their promise and are always willing to help. Highly recommended!
Insurer: Nationwide
By: Sally
Very slow process
The claim process feels really slow. And it’s frustrating that the surgery he needs isn’t covered by this policy so we won’t be able to fix what is wrong with him so he can live a long life. It has paid for some things. It’s ok
Insurer: Nationwide
By: Kristin
Customer Service is Exceptional
I've had this pet insurance for more than 10 years (on multiple dogs). It's very easy to submit a claim, get reimbursed in a prompt manner, and every time I've called to ask questions or ask for help, the representatives are friendly, compassionate and helpful. Good customer service is hard to come by, and they go the extra mile. When I had to euthanize my most recent pet, they even reminded me to submit a claim for the euthanization AND they prorated my unused policy premium back to me. I cannot recommend them highly enough.
Insurer: Nationwide
By: Jackie