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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Horrible claims experience
The claims experience was problematic and was obviously calibrated to not actually pay out for procedures that should have been covered. I ended up paying entirely out of pocket for a surgery despite my vet being very clear in the appeal that the procedure should have been classified differently. I’ve been paying for Trupanion’s service for years and never received a benefit and this was the last straw.
Insurer: Trupanion
By: Maddie
Dog & I are Both Happy!
Great customer service & claim processing. Helped me with the questions I had. Process was simple. SO much better than my previous pet insurance. Happy dog & happy owner! Recommend highly.
Insurer: Nationwide
By: Cheryl
They suck
I submitted 4 claims from January to February, it took over 90 days for them to even review my claims. I called multiple times, and was told each time that they were “under review of medical records,” after another month passed, I called again to be told “we are waiting on your vet to send records they never received”. Meanwhile I called my vet and had proof they had sent everything in 2 months prior. I then got my records and emailed them myself. A week later, everything was denied due to “pre existing condition” for atopic dermatitis, when my dog had never been seen for atopic dermatitis. They also didn’t even take those claims as my $250 deductible, to then deduct that from an ER visit and only send me a check for $85, for a bill that was over $300. I immediately canceled my policy. This was the biggest waste of money. I’d suggest just putting money aside for your pet in case of an emergency instead of using this BS insurance.
Insurer: Nationwide
By: Brittany
Hmmm
It shouldn't take 3 weeks to process a claim.
Insurer: Embrace
By: Julie
Good service every time.
The service is exceptional and all claims are expedited in reasonable time. Thank you all.
Insurer: Nationwide
By: Evangeline
Great insurance company
Love Nationwide Pet Insurance. Claims are easy to file, response time is great and so is the coverage. They are also a very thoughtful company, following up after my pets have had to visit the vet.
Insurer: Nationwide
By: James
I could focus on getting him better, not worrying about how I was going to afford it.
About a month ago, I let Oliver out for one more "potty" in the backyard. About 3 seconds after he bounded out the door I heard the most excruciating yelp I have ever experienced. I ran out to check on him and he was in the corner, trembling and unable to put any weight on his right back leg. I scooped him up and headed to urgent care where about an hour later I was informed that he had torn both his ACL and his Meniscus and would more than likely need surgery. A trip to VCA a few days later confirmed my worst fear. TPLO surgery was scheduled. Never once did I worry about the cost. I knew that Nationwide was there to help. It's now almost 3 weeks post surgery and every day his leg gets stronger and stronger. He is no longer in pain and in a few more months should be back to 100%! I know people who have dogs who have had similar injuries and they have not been able to afford the surgery. I highly recommend Nationwide to them for future needs.
Insurer: Nationwide
By: Betsy
Nationwide is taking care of my bully
My english bulldog had an allergic reaction which spread all over her body leaving her face raw. Nationwide covered the vet bill and medications and our trip to the eye doctor for her eye ulcer and additional medication. Claims are very easy to submit. Communication is quick and payment is quick.
Insurer: Nationwide
By: Jennifer
Hyperthyroidism vs Hyperthyroid confusion
Cricket appears to be doing well, but I have to wait for bloodwork in a few weeks to be sure if the radioactive iodine worked. It was confusing at first for the claim, but you came through as you usually do.
Insurer: Nationwide
By: Susan
I appreciate the reimbursement, but the process takes far too long
I'm happy with my plan and the reimbursement, but the claim process is convoluted (downloading multiple forms) and takes an incredibly long time. As someone who's had to submit multiple claims for the same problem with my dog, it's frustrating to wait several weeks between claim submission and reimbursement. On a non-related note, you don't offer my dog's breed, treeing walker coonhound, as an option for this form. Maybe consider adding that for us TWC owners?
Insurer: Nationwide
By: Joshua