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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Embrace has gone above and beyond anything I ever expected of a pet insurance company.
This review is not just for Penelope but also for my sweet, sweet baby boy Leo who died when he was only three. I spent thousands of dollars trying to determine what was wrong, including exploratory surgery and other diagnostic tools that I would not have been able to afford without pet insurance. It took me six emotional months after Leo died to finally submit claims from his treatment. Embrace walked me through the process and I received substantial reimbursement checks within a couple of weeks. Throughout the process all of the Embrace stuff I spoke with were helpful and compassionate and after learning that Leo had died they sent me a sweet sympathy card personally signed by a half a dozen of the Embrace staff. I recommend Embrace without reservation. Also a shoutout to Caravan Vet, in the Minneapolis area, who are also beyond awesome and who recommended Embrace to me.
Insurer: Embrace
By: Gail
Nationwide's coverage has been outstanding.
We are pleased in every way, thus far, with our coverage from Nationwide
Insurer: Nationwide
By: Mary
Very streamlined claim procedure.
As I stated above, claim procedure was very streamlined, and the policy booklet explained everything in plain English.
Insurer: ASPCA
By: Charles
coverage benefits are misleading
My pet had never used the policy after paying for almost 3 years. She developed a large skin tag on her eye that was growing quickly and needed to be removed asap. Because she had a skin tag in the past they refused to cover. Skin tags are common with dogs and I found this unreasonable.
Insurer: Trupanion Canada
By: Miriam
If it weren't for Healthy Paws, Molly would not be with us today.
Just over 2 weeks ago, Molly had a ruptured tumor on her spleen and was bleeding into her abdomen. The doctor cautioned us that 67% of these tumors are cancerous but I tend to be an optimist and wondered to myself why she couldn't be among the 33%. We have had Healthy Paws insurance for 8 years and had never used it so we decided to take a chance. Molly is one of the 33% but if we didn't have Healthy Paws, we would not have opted to pay the estimated $8,300 for a 10 year old dog. As it turned out, the bill was only $6,500 and we have already received our check for 80% minus the annual $500 deductible. They were very easy to work with and quick to respond. They checked in just about every day as they were reviewing Molly's paperwork. It was easy to download all of Molly's records, even for a senior citizen. Thank you Healthy Paws!!!
Insurer: Healthy Paws
By: Deb
Very Pleased with my coverage
I have owned dogs my entire life but this is the first one I have had insurance on and I am very happy I chose to get it. The coverage has been great. I have no complaints and have made several references.
Insurer: Nationwide
By: Kelly
Exceptional
PetsHealth now Hartville is an exceptional pet insurance company. With them, I have less worry when faced with unexpected pet health care expenses, Not only do they expedite claims, they always call to follow up and express heartfelt concern for my pet’s well-being. Truly a godsend, I am so glad I discovered and insure my pets with this company.
Insurer: Hartville
By: Gwen
I will never have a dog without Figo again!
Scrolling through Facebook a few months ago I saw Figo. Looked into it and just on a whim, took out a policy for our Aussie. She's having some problems now. Met our deductible and i submit claims using the phone app, sometimes they are processed and approved the very same day! Payment comes out of my checking account and reimbursements go back into the checking account. I've called a few times with questions, the agents are wonderful, very helpful. I have already recommended Figo to my friends who own pets. We will never have a pet without Figo insurance. And I can use it anywhere in the US, if we are traveling we have insurance, unlike a policy through your vet, plus we have all her records if we are away and she needs to see a vet. I love everything about Figo. Even the website is really cute!
Insurer: Figo
By: Jeanette
Amazing coverage with easy claims process!
We have coverage for two pets and recently had one pet diagnosed with a disease that she will need ongoing testing in prescriptions for. I am pleasantly surprised that Pets Best did not find a loophole as we thought they might to get out of paying us but rather after uploading our claim they paid within seven days! We were 90% reimbursed as my plan specifies. I am happy to say that I would recommend them highly to any pet owners!
Insurer: Pets Best
By: Sandra
Poor communication, confusion around covering expensive prescribed dog food
We are unhappy that your review of our claims from December on took so long. Our rescue puppy was on Science ID prescription food==canned and dry that our vet prescribed. We were afraid to wean him off it for fear of recurrence of gut issues. I made several phonecalls--was told by 2 of your personnel the food should be covered. The final ruling- it was not covered. Hundreds of dollars in food bills. He must be diarrhea-free for 6 months before you'll cover food prescription. I pay for the highest coverage and am dissatisfied that I could not get a clear answer ongoing while bills racked up. A friend with a similar situation had her pet insurance covered the prescribed food. I would not recommend your plan.
Insurer: Nationwide
By: christine