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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Average
VPI is average in my view as a pet insurance company. The pros is that they cover wellness visit up to a certain point but the con there too is not everything is really covered either. I’ve had nibbles on VPI/ Nationwide since she was a puppy and I would have thought that over time that more would come come being a long time customer but each year as your pet gets older the deductible is higher and I see that they cover less. The one time nibbles was near death from eating bone that impacted her intensine when she was 4 years old - nationwide only cover half the cost of the surgery and everything from hospital stay /icu and meds were not covered. The point of insurance to help pets who are the owners children get protection and care in an insurance policy. From this surgery and hospital stay I was out of pocket $10,000 because only surgery was covered by a little less than half the amount I had to pay for. My husband and I are planning to switch because she isn’t getting better as she gets older and we need to be able to care for her with work with an insurance company that will help more then less.
Insurer: Nationwide
By: Lily
Very happy with policy.
Filing claim for Red's annual physical was so easy to do. Very satisfied with what policy has to offer. Don't have to. Worry about Red's health care. Thank you
Insurer: Nationwide
By: Cheryl
IVDD Nightmare
Our frenchie had two IVDD surgeries in six months! If it wasn’t for nationwide...I don’t know where we would be as these surgeries were in the thousands. They paid 90% of the cost which allowed us to not have the financial stress. Instead we could focus on our #1 priority...our baby Truman. Thank you nationwide for being there when we needed you most!
Insurer: Nationwide
By: Jamie
Trupanion was there when I needed them.
Mahalo (Thank you) Trupanion for being there! This was my first experience with one of my pets getting sick and I was a bundle of emotions while I waited at our pet hospital to find out what was wrong with my little guy. I knew it would cost a pretty penny but I never imagined that a one night stay in the hospital could cost so much. I knew that I would have to endure whatever cost it took to get him some help. I contacted Trupanion while I waited for them to put together the estimate as my anxiety grew. When I inquired about direct billing the agent on the phone went over exactly what I needed to do and within minutes after speaking with the veterinary staff, they came back with an estimate from Trupanion and what would be covered. Some relief came over me to know that Trupanion was there to help me. Long story short, when I came back the next day to pick up my baby,(who had me worried all night) I was anticipating having to pay more in order to check him out. Low and behold, they submitted the final invoice to Trupanion and again, within minutes I was called up and told that they would be refunding me a huge chunk from what I paid the day before. What a relief! Thank you Trupanion for everything. I'm so glad that I had pet insurance. Trupanion came through BIG TIME!
Insurer: Trupanion
By: Kristina
Wonderful response time!
After a very trying two months with my dog suffering undiagnosed pain, and having to experience the emotional rollercoaster of whether he was at the point of euthanasia, we had some tests done that pointed to neck and lower back issues as the possible source of the problem. The staff at Trupanion were very supportive throughout this trying time. Because we had Trupanion coverage we were able to choose the option of moving forward to the next step of imaging and treatment. This involved travelling out of town to a specialty clinic who, in turn, submitted a pre-approval for treatment options to Trupanion. After the treatment was finished, the invoice was forwarded to Trupanion in the early evening and we received confirmation of payment from Trupanion by 11:00 the following morning! Exemplary turn around time! Having Trupanion pet insurance has allowed us to get the medical care for our dog that we would otherwise not have the option of doing. The level of customer service that they have provided in this instance has given us the comfort of mind that we can provide the best care possible for our beloved companion. Thank You to all involved in support and care for our boy!
Insurer: Trupanion
By: Louise
Easy process delivers exactly what was promised.
Had the policy 8 months since adoption our rescue dog. Processing is easy, reimbursement is quick and they've delivered exactly as promised. Well worth the investment.
Insurer: Nationwide
By: Vee
Nationwide Pet Insurance does a tremendous job in helping meet the high costs of pet care.
Sassy has some problems with allergies and ear infections. Her insurance has been so helpful in paying a large part of her healthcare. I am totally satisfied with all that they have done.
Insurer: Nationwide
By: Sharon
Prompt easy service, really helpful when our poor dog was ill.
We weren't sure pet insurance was a good idea, but we went ahead, "just in case". Well, unfortunately our poor Border Collie mix Diggity developed a bad stomach bug, and we thought we were going to lose him! He was in and out of the vet, and the bills . . . well, you know. We didn't have time to worry about the costs, we just wanted our boy healthy. Insurance? Well, we would see. To our delight, Healthy Paws had an easy-to-use web site, the vet knew all about them and said good things. Then, voila, a check appeared, and then another without any fuss! Then, another minor disaster, our doggie needed dental surgery after breaking off a cainine tooth. Another strasopheric bill, another insurance claim. Surly they would push back on such an quick second medical expense. But, again, to our delight, no fuss at all, just another paid claim. Thank you Healthy Paws, and Diggity says thanks too.
Insurer: Healthy Paws
By: Frederick
Pre-existing issue
I am very happy with my coverage for my dog, especially well care items, such as flea and tick treatments. I only have one complaint, and it began when I signed Josie up over the phone. The agent asked if Josie had ever been on any medications, and I said, "Only a one-time pain pill prescription for a strained back a couple of years ago." (She twisted wrong while jumping after a frisbee, and we've never had her chase them again....she now stays grounded with a ball.) The policy for Josie showed up with a "pre-existing issue"...."intervertebral disc disease"!! Wow!! I submitted the review request form back in '16, explaining that she has never had a problem before or after this, along with vet records, but it was rejected. Our current vet said we'd have to do a whole exam, x-rays, etc. to check her out. I guess this means if she ever has back problems she won't be covered. That's pretty frustrating, but we've kept the policy, because they do cover most everything else.....and we keep our fingers crossed she won't have this "disease" again. I would, and have recommended National to others. I think it's one of the best plans out there, if not the best.
Insurer: Nationwide
By: Jeanie
If you call your pets "your kids", you have to have Embrace!
I didn't know Embrace covered such a wide variety of claims. I thought only accidents were covered, but they cover illness as well. Thank you Embrace. I thought the premiums were costly, but I've come to find out I'm the one benefitting ( and my cats)☺🐱
Insurer: Embrace
By: Rick