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 was a life saver for our newly adopted rescue pup with hip dysplasia.
Embrace has been an excellent company for us. We have had three pets on their insurance. Our latest pet, Dixie who was adopted from a rescue organization developed a limp in her hip about 7 months after we adopted her, four x-rays later ( all covered by Embrace), it was discovered she had hip dysplasia. Embrace did their due diligence, checking with vets from the state from which she was adopted to see if there was any previous treatment for hip dysplasia, and once finding out that there had been no prior issues, they covered her 4200 operation. Thankfully I had signed up for 80% coverage with medicine. They kept in touch with me at all times, and were very easy to contact. Submitting claims on their website was a breeze. The only downside, as far as my experience goes, was the length of time it takes Embrace to process the claims. But, if they have to check with past vets, they are at the mercy of those offices to get back to them with informatin.
Insurer: Embrace
By: Jennifer
Easy to submit claims, but medical review took almost 2 months.
Claims are easy to submit online. My dog had skin allergies with a lot of appointments and I had to submit all this medical records. It took about two months for Nationwide to review the medical records, before I received reimbursement for my claims.
Insurer: Nationwide
By: Kelly
Good foundation but go faster
I appreciate the help with the vet costs but on the other hand I pay good money every month for that very thing and I expect faster attention to my claims. My last claim took over 30 days and I had to contact customer service to inquire. After that all four of my pending claims went through fast.
Insurer: Nationwide
By: Beth
Great service
Filing claims is very easy on the VitusVet app, and the check arrives quick after approval. Great Service!
Insurer: Nationwide
By: Greg
although a stressful situation I was super pleased with the claims process and touched by your follow-up on his health.
This is the first time I got insurance on a pet, and I have to say the experience of having to use it was very easy and super helpful in covering an unexpected medical cost. I would definitely recommend this to anyone who is on the fence about getting insurance. Its nice to have the security that your pet will be covered.
Insurer: Nationwide
By: Miroslava
Thanks For Helping, Just Wish The Process Was a Bit Faster
From a non-business perspective, overall, thank you very much for proving my money hasn't been wasted these 6 months. I really appreciate the financial relief that your service has provided for this visit. On a strictly business review process I wish there was more translation of the progress of a claim and/or the process was faster. I waited nearly a week just to see if the claim was received correctly. (I did not receive even an auto-message to say it was received). Then I waited about 2-3 weeks to see what was happening with the policy. I would have preferred regular updates as a new customer as it made it really hard to prepare financially.
Insurer: Nationwide
By: James
Two for the affordable price of one!
Nationwide pet insurance is truly exceptional. I get both my preventative care and emergency care for my dog, all under one roof. Filing claims are quick, painless, and very fair. I recommend this insurance plan to all my pet owner friends. It is TOTALLY worth it :). Thanks Nationwide for taking such great care of myself and my pet Max!
Insurer: Nationwide
By: Rene
Great Experience!
The whole process was quick. I put the claim through, it was reviewed within a couple of days and a check was sent to me the same day they approved the claim.
Insurer: Embrace
By: Lillian
Very very happy with Nationwide
I can’t say enough about your company. I have two dogs. The ease with submitting a claim & getting payment in return is amazing. Will always stay with you. The customer service is phenomenal & very knowledgeable.
Insurer: Nationwide
By: Stella
Everything went smoothly
My vet submitted my claims for me and everything was easy
Insurer: Nationwide
By: Denise