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 Pet Insurance is a scam and I do not recommend them for your pet's health coverage
My Pomeranian got Embrace Pet Insurance and her coverage began in mid-January 2019. At the beginning of April she had blood work done because I wanted to make sure she was fit to travel before I spent $6k to move her with me to Australia. Her blood tests came back normal, but her gallbladder levels were elevated and the vet suggested we do an ultrasound to determine the diagnosis. The ultrasound cost $550, so I sent Embrace a pre-certification form to verify the cost would be covered and they said it would be. After the ultrasound, the vet’s diagnosis was that my dog was developing biliary mucocele. Because my dog was not showing signs or symptoms that she’s sick or in pain, they suggested switching her to a low fat diet and giving her ursodial once a day to help with the bile flow and prevent the mucocele from getting worse. I submitted the claim to be reimbursed for the ultrasound test and Embrace informed me that they made an error and my dog will not be covered for gallbladder mucocele because it’s considered pre-existing according to their terms and conditions in their policy. My dog had two incidents where she ate something that didn't agree with her stomach last July 2018 and in early January 2019. The first time she had vomiting and diarrhea, the second time she just vomited. Some of the symptoms for gallbladder mucocele include vomiting and diarrhea and the insurance said because she didn't have blood work done during those times, then there's no proof that she didn't have the disease at the time. My argument is there's no proof that she had it because she hasn't shown consistent signs or symptoms of having this disease. She was acting and functioning normal then and even now, which is why I didn't push forward to do blood work back then because I didn't see a reason to spend a lot of money that seemed unnecessary. Also, blood work only tells you which vitals are elevated and does not determine the disease. For example, if my dog had eaten something poisonous, then of course the blood test would show her gallbladder and liver levels were elevated. It doesn’t mean she had a pre-existing disease. Embrace said from a medical stand point I am correct, but from their Terms and Conditions stand point I am incorrect. So ANY disease that has symptoms of vomiting or diarrhea will not be covered, which means she's not covered for most things since almost everything has symptoms of vomiting and/or diarrhea. Pre-existing is something that is pre-diagnosed. Doctors and veterinarians can't diagnose many diseases and medical problems with blood tests alone. I DO NOT and WILL NOT recommend Embrace Pet Insurance because their focus is not providing coverage for your pet when most needed and they will take their opinion and call it fact.
Insurer: Embrace
By: Tina
Easy to file a claim
Ease of filing claim was great. Turn around time for reimbursement was good.
Insurer: Nationwide
By: James
Best thing I ever could have done concerning my pet was getting nationwide pet insurance...
Very easy to use. Claims paid just as policy states. No red tape. Love this insurance.
Insurer: Nationwide
By: Rick
Electronic claims via VitusVet app = awesome!
Recently discovered the VitusVet application, and how easy it is to sync with Nationwide Pet Insurance to submit claims. Super efficient!
Insurer: Nationwide
By: Rick
Nationwide is Amazing
It is very easy to submit a claim through the VitusVet app. And they are prompt to reimburse you. No issues when submitting a claim. They just want to make sure your pet is okay!
Insurer: Nationwide
By: Bridget
So far, so good
I was advised to carry pet insurance when I got my puppy as the breed often has issues. So far we have only filed using the wellness rider for routine puppy shots, and Nationwide has covered almost all the costs. It remains to be seen if we will ever incur higher claims and how they will be covered, but I am hopeful the company would continue their positive responses.
Insurer: Nationwide
By: Kathleen
Great but could be faster
Submitting a claim is easy through the vitus vet app. I wish the claim processing speed was a bit faster. Once processed accepting reimbursement is quick and easy!
Insurer: Nationwide
By: David
What a relief!
When we discovered a lump (turned out to be a cyst) on Bree's neck area, we were concerned about what it could be. But what a comfort it was to know that Nationwide was going to help us financially no matter what was going on. What we didn't know going in was how quick and seamless the claim and reimbursement process would be. I would (and do) recommend Nationwide Pet Insurance to family and friends with pets, to help with unexpected expenses and focus on helping our furry friends get better.
Insurer: Nationwide
By: Josh
I was so grateful when I actually received a check close to the cost of her surgery, your staff is always great. THANKYOU ZOEY
Zoey is doing great. I have two dogs and policies that both went up tremendously this year. Was devastated that her condition fell under a different non covered. Was so so relieved to still receive a check that paid a huge portion oh her surgery. THANKYOU, Mindy Borkson, Zoey, & Riley
Insurer: Nationwide
By: Mindy
Can Improve more
It was hard to get anything feedback and reimbursement at the beginning. But it seems like the last claim i filled is processed much more faster this time
Insurer: Nationwide
By: Marilyn