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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Worst experience so far
After a freak accident at the dog park my dog was limping badly. I rushed her to the vet to check if anything was broken. This has never happened before and my dog has never limped in the almost 2 years I’ve had her as well as a plan. I’ve been with Embrace since I rescued her and never had a problem with claims until now. I understand for orthopedic issues they need more info but waiting almost a month to review a claim is ridiculous. Poor Libby is still limping but I can’t afford to take her to the vet if it’s not covered. Customer service was great but not impressed with how this was handled by Embrace as a company. I was going to recommend Embrace to a friend of mine but after this experience I don’t think I will
Insurer: Embrace
By: Andrea
Informative and Quick
I was surprised at how easy it was to submit my claim. And even though the reimbursement came quicker than I expected, I received an email from Pets Best apologizing for it taking so long which I thought was pretty great customer service.
Insurer: Pets Best
By: Jill
Great Insurance
Nationwide has been there for us for many years now and we appreciate you so much. For every health issue you have given great service. Claim filing is simple and fast and customer service is great!. Best of all I believe you care about our fur babies. Thank you Nationwide!💜
Insurer: Nationwide
By: Linda
Thank you!
Such fast service filing my first claim with Nationwide. I was really impressed. It was also super easy. I really liked my last pet insurance company but they just raised their rates too much. I can't believe I'm getting the same level of service for a fraction of the cost. Thank you, Nationwide for helping to take care of my baby girl.
Insurer: Nationwide
By: Laura
Excellent response to claims.
I always enjoy excellent response to my claims with my other Dogues. Wasn't sure how it would go since Nationwide took over, but happy to say still have excellent responses! Thank You!
Insurer: Nationwide
By: CECILIA
Great to know Nationwide is there for my two golden girls in their time of need.
My girl Bee was having some intestinal issues and had to take her into the vet to times to get her feeling better and one the mend. Nationwide help to alleviate some of the cost which makes a difference.
Insurer: Nationwide
By: Ann
Confidence
Nationwide has supported our pet Roxy since we got here as a puppy. They have provided guidance and advice which allowed us to choose a great veterinarian provider for her. Nationwide has promptly reviewed and paid the claims provided for her care. Thanks in advance for providing us with the confidence to keep Roxy healthy and happy.
Insurer: Nationwide
By: David
Looks for ways to exclude conditions and avoid claims
The review process for our claims has taken a long time and it feels like NW looks for a way to avoid claim payments by excluding condiitons. For example, or dog started itching due to allergies. When the vet asked how long this had been going on I had no idea but "guestimated" 1 -2 weeks. He wrote down 2 weeks which happened to be just before the effective date of our policy. NW proceeded to exclude all allergy claims past present and future based on an "guestimate" of when it started and the vet writing down the longer end of the range given. Second example, our dog was being spayed and they discovered that her spleen needed to be removed. The vet stated that he expected it would be covered by NW, but NW denied claim since the bad spleen must have developed over time and therefore occurred prior to effective date of policy. If you go with NW, recommend starting as a puppy to avoid the prexisting condition issue that NW uses extensively to avoid paying claims.
Insurer: Nationwide
By: John
Thank God for this pet insurance. It has been a lifesaver for my pet's health and access to care!!
My pomeranian was diagnosed with a bone/ brain cancer. Treatment has been very expensive. Thank God I have this pet insurance. It has been a lifesaver in being able to afford these treatments for her care.!!
Insurer: Nationwide
By: Melanie
Coverage Lacking
Very upset to find out testing for stomach worms is not covered by Nationwide. My vet was shocked and appalled, said this is the ONLY insurance she's ever heard that doesn't cover testing for potential infection/sickness. Each time Rogul has serious digestive issues this test will be required and we will lose $170 ($85 before and after) to know for sure what Rogul needs to be treated for. We are considering switching insurance plans for this simple fact alone. Very unaccommodating.
Insurer: Nationwide
By: Amanda