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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Reimbursement at a glance
Reference : Quick reimbursement of the claims.
Insurer: Embrace
By: Van
This company is GREAT!!
The claim process is so easy and the reimbursement process is done in a timely manner.
Insurer: Nationwide
By: Brenda
I'm in as a customer, but the paperwork coming back after a claim does not always make sense anymore, will have to call,
I am a long term customer, many dogs, I still am satisfied, although I hear people rave about Trupanion. I recently had a fairly big claim (around $6000) processed, and I will have to call as to why 90 percent of it after deductible wasn't paid. The key word is "eligible", and I am a little concerned that give you some wiggle room different than your advertising.
Insurer: Nationwide
By: Randi
It helps to know Nationwide is there
Beau is having some issues lately that we can't find the reason for, and it's good to know that some of the tests being recommended will be reimbursed, at least in part, by Nationwide.
Insurer: Nationwide
By: Tordis
Rating average
Very easy to file claims though the process is a bit long to see what gets paid. Like most insurance companies there are treatments that they do not pay. DIsappointed in what was not covered for my puppy his first year of life considering I purchased the best plans with minimal deductible. 2 tier system, I dont care for, but i have not compared side by side to other companies yet. Read the fine print for what is covered, many things are not. I dont think they would be my first choice after knowing what i know.
Insurer: Nationwide
By: Linda
Great company, great service, great transparency
Great insurance company -- very clear about what they cover (and what they don't). My young dog has (unfortunately) had a variety of health challenges and Embrace has been fantastic. They process claims quickly, keep you updated about any delays (usually the result of them needing more information from a vet's office), and respond promptly to inquires. They are very clear upfront about what they cover, very clear about exclusions for pre-existing conditions and what would be considered pre-existing, and very clear about other exclusions. Customer service is excellent and I cannot say enough good things about their integrity.
Insurer: Embrace
By: Abby
Excellent service
It was very easy to file a claim for my pets hospital visit. They were able to reimburse me for what my policy said was covered. I am very satisfied with my experience.
Insurer: Nationwide
By: Heidy
Terrible service
I submitted numerous invoices only for them to come up with excuses on why they couldn't pay them
Insurer: Nationwide
By: John
Bureaucracy and false sympathy
When we got our dog, we figured we needed to do a bunch of things to take care of him. Getting insurance and signing him up for a vet seemed among the most important for his health. We did both but unfortunately we didn't think to wait to go to the vet for 30 days after signing up for the insurance. Trupanion has a 30 day sort of waiting period after you sign up. The vet told us that Hugo (our dog) had a heart problem, and eventually it turned out that we'd need him to have an $8000 surgery. Trupanion said that because we went during the 30-day waiting period they wouldn't cover it. Had we just waited for some days until the period ended, presumably they'd have covered it. The lesson I'd say, is if you're with Trupanion--they want you to avoid seeking medical care for your pet until their bureaucratic rules complete their term. On the other hand, they offered plenty of faux sympathy. If you value that, then be sure to make your monthly payments.
Insurer: Trupanion Canada
By: Joshua