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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Couldn't be easier
When your pet is sick or having issues the last thing you want to deal with is cumbersome insurance paperwork. With Nationwide there is none of that. I fill in a few things on the mostly pre-filled form and fax it over with the necessary paperwork. I get notified when a plan statement is ready and find out what benefit I will be receiving. Couldn't be easier.
Insurer: Nationwide
By: Jennifer
Good experience overall
Generally pretty straightforward to get processed although the PDF form with email submittal (email can be hard to find) is not as easy as it could be. Once submitted, processed in the promised time frames.
Insurer: Nationwide
By: Ryan
Recommend Nationwide Pet insurance.
Definetly recommend pet insurance. Never thought i would be using it this much, but luckily I have it. Over the course of the year, Nationwide has been more prompt with confirmation emails and payouts. Very easy to file a claim. Only negative is they didnt pay as much for well visits as I expected, such as shots. And there are caps on what you file as well depending on the diagnosis. Overall, I have been happy with them.
Insurer: Nationwide
By: Linda
Quick and Easy Reimbursement and easy to claim.
Quick and Easy Reimbursement and easy to claim.
Insurer: Nationwide
By: Lou
Great Coverage, Horrible Customer Service
Sales dept, coverage levels and premiums are great, but they are seriously lacking in every other area. They take forever to do anything, including processing and review of your application for coverage approval. You aren’t told up front about this delay. Claims will get kicked back/denied for any tiny thing discrepancy or perceived missing piece of medical record (no, they don’t proactively contact your vet for medical record info or details like other insurances do). And I’ve had to review every claim they’ve paid, to make sure they didn’t ‘overlook’ line items (this has happened). As the customer, I’m definitely doing more work than I’ve ever done in 11 years of filing per insurance claims for other pets at their competitor (I still have an animal who is covered with said company). If you ever call customer service about a delay or any other concern, they seem to read you the scripted lines to placate, stonewall, beat around the bush, blow smoke and even lie to you. They expect you to accept whatever they say and thank them for wasting your time. Somewhere along the line, they forgot the insureds are paying customers who contribute to their salary. They act as though they’re doing you a favor, so you should just deal. If I refer someone to nationwide/vpi, I definitely let them know the upside and downside upfront.
Insurer: Nationwide
By: Suzanne
ASPCA pet insurance is A1 in my book!
ASPCA pet insurance has always had a friendly and helpful customer service. Summitting a claim with the phone app is so easy! I can take a sick pet to the vet knowing I will be able to give my dogs the help and meds they need. ASCPA paid for my pets trip to A&M when she was so sick. I always tell my friends Pet Insurance is something they need.
Insurer: ASPCA
By: janet
Difficulty with Claims
It sounds silly that I'm recommending this company to other pet owners, but I'm not even sure who else offers a program like this. I find the claim process incredibly tedious. I tried downloading VitusVet but can't use it because my veterinarian isn't on their list. I was unable to file claims via the desktop website because it won't let me select my pet from the drop-down (it's just blank and says "No pets listed." I have to file claims by printing out a form, filling it out, then scanning it and emailing it back to Nationwide. I signed up for electronic reimbursement, but this is just Chase Payments which isn't necessarily convenient. You are notified via email that there is money available, and you have a few days to "retrieve" your money before it disappears into the ether. I'm on top of my email, but it's just so inconvenient that this couldn't directly ACH into your account. I signed up for electronic reimbursement, I feel like that should serve as acknowledgement that I want the money deposited into a specific account, rather than having to retrieve it like Venmo. Given my challenges, I should probably answer my own question above and try to find another company that offers this for next year's services.
Insurer: Nationwide
By: Sahana
Thanks for the email asking me if my dog is feeling better after I sent a claim for her euthanasia!
How heartless are you?? I am waiting for reimbursement of claims in the thousands of dollars for 6 months now after trying to save my dog’s life. I have sent every record from her vet and I get an email after my pup lost her fight last week that says “We hope Molly is feeling better after seeing the vet recently. We're glad we could help out with the cost of the visit! All of us here at Nationwide® are rooting for Molly—because we think every pet deserves the best care possible.” What’s going on there? Are you even bothering to look at my claims that you have not paid since December? It’s June and this is heartbreaking. YOU ARE HEARTLESS
Insurer: Nationwide
By: Jennifer
good experiences so far
claims sent directly from my veterinarian avoids me unnecessary paperwork. Prompt reviews from the insurance company which agreed to cover my older (but healthy) pet.
Insurer: Nationwide
By: michele
Overall, I am pleased with having chosen Nationwide to insure my dog, Stella.
Stella severely damaged her knee (equivalent to an ACL). The surgery was very expensive and true to their word Nationwide cover exactly as stated in my policy. I would have appreciated more transparency in the claims processing, however. Simply knowing they received the claim wasn't helpful when they took thirty days to process the first claim.
Insurer: Nationwide
By: Tracy