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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Why insurance if you deny all claims and xrays.
Upset with denial of x-ray and check ups if covered.
Insurer: Pets Best
By: Robin
Reliable & Stress Free Coverage
We've had Nationwide Pet Insurance (formerly VPI) for almost 5 years now for our cat. She has had a few minor medical issues that have involved seeing a specialist, as well as a couple of follow up visits with her regular vet. Our insurance coverage has been great. Easy to make claims and submit documentation online, and payments/reimbursements have been made to us very quickly. Checking our online account is quick and easy, and one time when I did call customer service with a question, they were very helpful.
Insurer: Nationwide
By: Danis
I didn't expect this to be so seamless
I honestly didn't expect that submitting claims and receiving payments for my dog would be so easy. My puppy has had several unexpected vet visits (and expenses), and I've not had a problem with any of my claims. I appreciate how seamless the process has been, from submitting claims online to receiving payments and directly depositing into my bank account.
Insurer: Nationwide
By: Colleen
Good care
I have a few issues with Ferdinand and brought him to my vet they did all necessary tests and my baby boy is wonderful. I was fully reimbursed, it took some time but nation wide came through. Couldn’t be happier, and my puppy is great
Insurer: Nationwide
By: Audrey
Recommend Embrace Without Question
Filing a claim, cannot be any easier. My Vet E-mails the bill to me, that shows the procedure(s) done and the charge(s). I then e-mail them to the Embrace claims area and two weeks later I have what is covered and what is not covered. I researched very carefully, which Pet Insurance to buy before I got my Golden Retriever and it was very clear that Embrace came out on top.
Insurer: Embrace
By: Franklin
Thankful for pet insurance. Claims take too long to process and or receiving reimbursement. Insurance increase is too pricey.
Despite multiple attempts made by our vets office to file the same claims. It appears they are being lost. I never use to experience this problem in the beginning but over the last 8 months. We (myself and Vet office) are resending claims multiple times because "you claim you're not receiving them." I live outside city limits and this does not make it very easy to make myself available. However, I can assure you all claims are being processed by fax at checkout after each visit. I can also understand the insurance increase for Milee our boxer, with sensitive stomach and other issues. But to increase Jade too (border collie mix) whom is seen only once a year for routine check ups (healthy dog and has no health issues) Your policy information says your giving us a discount for our 2 pets. I'm not so sure about that either. I believe the insurance increase took place because Milee has health issues and nothing more. But If we drop Jade from the insurance we lose the supposed discount. That sounds a bit off and ridiculous.
Insurer: Nationwide
By: Sheli
Easier than I could have ever dreamt!
Submitting my first claim was easier than I could have ever dreamt! I simply uploaded a picture of the itemized receipt, then I was paid via direct deposit less than two weeks later. I am definitely a fan.
Insurer: Pets Best
By: Leili
Explained coverage
We had a tooth extraction that I didn't believe would not be covered, but I don't have Wellness coverage so that was explained.
Insurer: Pets Best
By: Stuart
Great
Very easy to file claims. Thoughtful followup.
Insurer: Nationwide
By: Heather
Stay Away from Pets Plus Us
This was a waste of three years of premiums. Difficult to get through on the phone lines, evasive responses to deal with claims, refusals to pay out anything on claims, and then slapping 'temporary exclusion conditions' on the file. They want you to produce all kinds of paperwork, but they won't provide you with their own. I'm going back to my last insurer Trupanion who was easy to deal with and honest about their coverage and in communicating with customers. On top of that Pets Plus Us tries to use scare tactics to keep you from cancelling and going to another provider. Wish I had known about Pet Insurance Review before switching three years ago. Stay away from Pets Plus Us.
Insurer: Pets Plus Us
By: marion