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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Trust Nationwide for care of furs
Excellent caring customer service and efficient claim reimbursement.
Insurer: Nationwide
By: Casey
Pet health insurance made easy
Both my dogs have been covered by ASPCA pet health insurance for over 5 years. They are very responsive to claims filed, they call and follow up to inquire about our dogs after they have been ill.
Insurer: ASPCA
By: Barbara
Claim processed quickly
My Vet office submits the claim and then followed up with requested documentation. Claim processed quickly, EOB within 7 days of service.
Insurer: Pets Best
By: Kathy
Thank you for all the work you do!
I took Spotter in because I thought he still had a splinter or foxtail in between his toes. It turned out I got the foxtail out and he had an infection. So, because I only have accidental insurance, it was not put towards my deductible, which is understood. I thank you for all the work you do ! :) He's all better!
Insurer: Pets Best
By: Irene
We were so thankful for Pets Best
We took our little dog Milo in to the Vet to check out a lump on his belly. It turned out to be cancerous. He went in to surgery the next day. The procedures were costly, but we were determined to do whatever it took to save our fur baby. We submitted the claims to Pets Best via the website. They acknowledged them right away and quickly processed the payments to be deposited directly into our back account. We couldn't have been more satisfied with the process. Thankfully, our little guy came out of the surgery cancer free! Great outcomes all the way around! We were so thankful for Pets Best wonderful service. Having the insurance was so worth it for these types of circumstances.
Insurer: Pets Best
By: Mertianna
Healthy Paws is outstanding and genuinely cares for my pet
I have been with Healthy Paws for the past 3 years and recently had to contact them for expenses related to my dog’s surgery. The customer service and support was outstanding - very professional and thoroughly explained the claim process. I submitted my claims via the iPhone app, which was extremely easy to use. I received immediate feedback indicating receipt of the claim and then another email detailing specific coverage. I received my claim reimbursement check within a week of initial submission. Likewise, I received an email from Healthy Paws after my dog’s medical procedure inquiring as to how she did with her surgery. I am grateful I have Healthy Paws insurance and most importantly, I sincerely appreciate their outstanding support, prompt claims processing, and genuine concern for my “little girl.”
Insurer: Healthy Paws
By: Jay
It’s A Luxury Item
From the lengthy claims process, to the cloaked underwriting process, I believe that this luxury item (as I was told by a customer service representative) is not worth what I pay. I thought I had selected an appropriate healthcare option for my dog, but after three weeks of waiting, and after being charged a deposit for a “luxury” product I couldn’t evaluate and willingly accept (because of the “underwriting” process), I felt slighted. It became even more apparent when our first few visits weren’t covered due to this lengthy “underwriting” period- despite the fact that I had been charged for a product I didn’t have. When I purchase car insurance, or health insurance, I know what I’m buying when I buy it. When I buy the “luxury product” that is pet insurance, I pay and then wait for the terms to emerge from a mysterious fog. Furthermore, when I am told that my “wellness plan” that I had only one option to select, and couldn’t upgrade until 1 year later, only covered a certain amount of visits. This is a pathetic product. I called to complain because this is a shady business practice and completely unhelpful to responsible pet owners. I was told that it is my prerogative to buy pet insurance because it is a luxury item. That to me was shocking and insulting. Pets aren’t jewelry, they aren’t a home, and they aren’t a car; and yet when I buy insurance for any of those other things, I’m guaranteed exactly what I expect. Coverage- plain and simple. Your luxury item is as poor as your attitude towards the life and wellness of my dog. I’m not recommending your product to anyone- and I am not going to continue paying for your services.
Insurer: Nationwide
By: James
Covered my dog tumor surgery, no problem
Covered my dog tumors surgery, no problems whatsoever
Insurer: ASPCA
By: Sam
Excellent Customer Service and Excellent Product
I would recommend Nationwide Pet insurance to any and all of my friends that have furry babies. This insurance has been a god send to me the two major times I've had to use it. My dog has major dental surgery 4 years ago and major tumor removal surgery just last month and both times the bills were substantial. Even though I had to come up with the initial cost to cover the vet bills up front, just the security of knowing I had his insurance to fall back on was an extreme comfort for me in what was a very difficult time. I don't have children, so my dog is my baby, and this product and your staff are hands down amazing. Thank you for all you do to take care of my precious furbaby and put my mind at ease.
Insurer: Nationwide
By: Jennifer
The 14-day waiting period is nonsense
Unfortunately, our first-time experience with PetSecure was very disappointing. We encountered a lot of lack of transparency. Our dog was 10.5 and very healthy. When we noticed early signs of arthritis, we decided to get her insurance and went to the vet to get her blood work and X-ray done. In the meantime, I applied for Secure 3. It took about 48 hours to hear back from them. Our vet had already forwarded our dog's most up-to-date medical records. So when we spoke to a rep, she said that we were all set and good to go. I passed on my credit card details and the next day we received the 'binder of coverage' where the 'underwriting information required' part had caused some confusion. Our dog's only pre-existing condition would've been her arthritis and glaucoma. Her full examination took place within two weeks of the insurance application, but the binder stated, '...we have not yet received or not yet reviewed your pet's medical history...' That was not what the lady said on the phone. It might've helped if she'd clarified everything step by step on the day of the setup. I emailed records(at)petlineinsurance and asked what else was needed, but never heard back from them. Our dog had been healthy throughout her life! There were no records of any severe conditions. We don't know what our vet had passed on to PetSecure, except for our dog's clean blood work and X-ray. Unfortunately, right after the X-ray (she didn't take the sedation too well), she had days of bad vertigo. The vet said it would pass. Unexpectedly, on the Easter weekend, she suffered from a severe seizure, which led us to take her into the emergency after midnight. She had never had a seizure before. The vet did another blood work, which came out clean again. He concluded that our dog had a brain tumour. This was a shock to us. She was traumatized and in a lot of pain that night, while a week prior she was perfectly fine (chewed sticks and played in the water!). They gave her pain killers and some anti-seizure medication, which only helped her sleep, but the next morning, on Easter Monday, she woke up in more pain. We decided to put her down. It had all happened so suddenly. We'd asked both the vet and emergency clinic to pass the details on to Pet Secure. On the next business day, I called in to let them know about our dog's passing. The lady I spoke to pulled up the profile but hadn't seen the emergency clinic's notes right away. However, I was told on the phone that euthanasia and cremation would be covered. Due to our financial strain, I felt relieved when I heard that. As far as we were concerned, we thought our dog was insured. But at the end of the day, the same rep called to tell us that she'd spoken to her superior who said that they weren't able to cover any of the expenses (emergency clinic + euthanasia/cremation) because of the '14-day waiting period'. We were stunned. A few days later we received a letter from PetSecure confirming our cancellation and also indicated that they weren't able to cover any of the costs, because our dog was not 'enrolled' (!?!). The biggest problem overall was hearing one thing on the phone and reading the COMPLETE opposite on paper. The whole process of applying for pet insurance with PetSecure didn't go as smooth as we'd hoped. The lack of transparency made it very unclear about what was covered and what wasn't. The binder of coverage basically stated that nothing was covered.
Insurer: Petsecure
By: Paula