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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Great Company
Easy claim process, quick payment, & wouldn’t recommend another company to cover your pets expenses.
Insurer: Figo
By: Ryan
Thank God I had Embrace!
My dog is 5 and has had two surgeries and without Embrace we would have had a devastating experience, but instead we had the peace of mind that we were covered and could focus on healing our dog Bosco. Everything about the coverage to the ease of their app (which is amazing) is excellent and easy to use. Seamless and prompt, thank you.
Insurer: Embrace
By: Teri
Nationwide Pet Insurance Rocks!
Thank you for your efficient and speedy claims process following Cody's surgery. That unexpected expense burden was lessened with the ease and expediency of your service. We're happy to report that Cody is back to his rambunctious self, just as a 16-month old Golden Retriever should be.
Insurer: Nationwide
By: Colleen
You pay quickly
The only complaint I have is that you cannot see claim detail until after it is paid. I would like to see who is turning in claims and how much they are for prior to you paying the claim.
Insurer: Nationwide
By: Linda
Great value with excellent service!
I highly recommend Nationwide Pet Insurance. There are a good value with excellent customer service. Easy to file claims!
Insurer: Nationwide
By: Eniko
Pet insurance was a great decision for our older cat
After going through some health problems, and large vet bills, we decided to get pet insurance for our 11 year old cat. ASPCA has been great at responding to and completing claims we've submitted for our cat after each vet visit.
Insurer: ASPCA
By: Natalie
Easy Claims and Compassionate Service
It is so easy to submit a claim online. I submitted 3 separate claims recently for my dog Gracie, for when she visited the vet, stayed at the animal hospital, and ultimately had to be put to sleep. It was such a relief that the claim submission process was so straightforward and easily accessible, because at the time I felt too emotionally distraught to handle much “business.” Also, I didn’t expect to get a note from them expressing condolences for Gracie. That was really lovely.
Insurer: Embrace
By: Melissa
Off To A Great Start
I had a policy several years ago and more recently purchased one on my Black Lab, Bella. I noticed a significant difference in customer service since my original policy. My first few claims have gone through seamlessly, without questioning and dispute. I even received a follow-up call to see how Bella was doing after surgery. Of course the person also asked if I'd write a review, but that's business. Processing and reimbursement were prompt. I hope this continues. At this point, I would highly recommend using them.
Insurer: ASPCA
By: Maryanne
Thank G*D for Nationwide Pet Insurance!
Nationwide has been very good about both the amount and speed of reimbursement to me. I am sincerely thankful I can afford to have their policies for my older dogs.
Insurer: Nationwide
By: Edmond
Plan for Your Pet's Health--Worth Every Penny; Great Insurance
My 10 year old Beagle, Boomer (and his sister, Daisy) are very special to my family and I, and we learned of Healthy Paws Pet Insurance several years ago after they were already adults, but were fortunate enough to get them on the $200 deductible/90% plan and keep it now. It's turned out to be great use of money as well as ensuring the well-being of Boomer and Daisy. Just like people, dogs have medical issues pop up as they age--and some of them have been very expensive--even thousands of dollars per year. Just in the past year, Boomer has had a major Knee surgury to repair a luxated patellar tendon (almost $3K), and has had several expensive diagnostic tests (over $1500) plus medications (two pills that cost $3 each, daily, $180/month) that he will be on indefinitely. Daisy's had chronic conditions emerge with her age as well, but she too has her conditions and associated medications all covered. Sure, the premiums go up as the pets age (and you get good advance notification, with an option to change covereage options), but not as quickly and as much as I'd expect, and it's still FAR better than having unexpected medical bills and having to pay ALL or them--or make very tough life-and-death decisions based soley on money. And it's great peace of mind knowing most or all of it will be covered--as we've always spent whatever it takes for our dogs as we would ourselves--we not bear to put them down or let them suffer because we couldn't afford it. While we're not (yet) seniors on a fixed retirement income, those who are who want to keep their furry life companions and continue to be able to take care of themselves should defintely have insurance like this. Folks can plan ahead, have premiums automatically deducted, and know there is a safety net for their pets when they and their pets need it. Knowing this kind of insurance is there and having the proof and experience of knowing it works is fantastic. And the castastrophic types of things covered is very impressive. No hassles or haggling either (I was surprised)--the claims are simple and fast. We simply pay the medical bills and get our vet to email the invoices with itemization to us....and then we pass them on to Healthy Paws in a claim (but there are no claim forms, not phone calls). Usually, within a week a direct deposit is headed to our bank account to reimburse us for the covered amount, along with a summary explanaton of benefits showing in detail was paid, what was not covered, and a quick contact to call if we have questions. So while no time is likely too late for insurance, get your pets signed up early as possible to minimize the "pre-existing conditions" clause impacts seen for any insurance policy. While our Boomer is not yet out of the woods on his health, there are no coverage ceilings, so we know we can continue looking into his medical issues and get him the best care possible to keep him as happy and healthy as possible and with us for (hopefully) for many more years. I can't say enough about Healthy Paws. I wish I could use this for my own health insurance!
Insurer: Healthy Paws
By: Fred