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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Extremely long, difficult, and uncertain claim submission process.
Overall customer service was very slow at best and rude and unhelpful at worst. Every claim submission required multiple phone calls and none ever moved forward. The requirements for claims submissions are completely unclear in the first place, even something as simple as getting a veterinary letter stating that the dog should be on heart guard and frontline and submitting a claim for the purchase. Our dog's medical history review took over 4 months to get back, at which time you find out the excluded conditions and what you have been actually paying for during the past 4 months. While some excluded conditions were expected, others made no sense. e.g., our dog vomited once after being put on several medications post-surgery, which was mentioned in his medical records. This resulted in an exclusion for any future gastro-intestinal related problems, which any dog owner would know basically includes everything. We were told to submit records showing that gastroenteritis was resolved and that this exclusion MIGHT be removed. The dog was further excluded for any atopic or allergic dermatitis due to a skin rash of unknown origin that was actually determined not to be an atopic dermatitis by our vet but did result in a bacterial skin infection. This would basically exclude our dog from being treated for any future skin problems given the difficulty of pinning down the origins of rashes. I don't believe we ever once had a claim or any paperwork successfully processed and resolved, which inspires no confidence in any potential future coverage or reimbursement. Since we didn't feel like paying premiums for another 4+ months just for the privilege of finding out what is covered and what isn't, we canceled the plan and absorbed the sunken cost of having ever signed up for Nationwide Pet Insurance in the first place.
Insurer: Nationwide
By: Roma
Partners in our pets' care from youth through their golden years
When our pets were younger, having insurance through Nationwide gave me peace of mind because I knew that if they had a medical emergency, I'd be able to take them to the vet and get them the care that they needed. Our pets are now all frosted faces, and I'm especially thankful that we have kept them insured with you because you have come through for us when our cocker spaniel, Mabu, got cancer (he's OK now!!!), and you came through for us when our little mixed breed, Pupusa, developed digestive issues (we're getting those treated!).
Insurer: Nationwide
By: Vivian
Best service ever
Always easy to file a claim. Prompt response time. Thank you Nationwide.
Insurer: Nationwide
By: Valerie
Best insurance I have ever used
When I purchased this insurance I never thought I would need it. Turned out I needed it for my Newfoundland puppy. The people have been great and the refund has been excellent. These is no long waiting for it.
Insurer: ASPCA
By: Tammy
I am very thankful for Nationwide!
I wasn't convinced that I needed to have insurance because to me it was a gamble and I didn't think I needed it. I decided to go ahead with it since Great Danes can have a lot of health issues. I am so thankful I did because it has helped out many times.
Insurer: Nationwide
By: Chanda
Great Insurance with flaws
You, by far have the best insurance going, but you have some serious flaws that when VPI had it were not an issue. I am not happy with you, or way you can "try" to upgrade to a better plan when it becomes available. My dogs are caught in a catch 22 with this issue and it upsets me. Unlike his human parent being able to upgrade their insurance at renewal time, I am stuck with what I got to like it or not.
Insurer: Nationwide
By: Brenda
Very quick at determining claims
As always, my dog's claim was quickly approved. Trupanion was the best coverage I could find for both my dog's and cats. I will never be without this coverage. The worry of not having enough money to treat my babies is no longer there.
Insurer: Trupanion Canada
By: Debby
Extremely happy I choose Embrace to insure my dogs.
I insured both of my dogs, a 6 year old Rottweiler and a 5 year old GSDX, in October of 2016. I was considering not renewing in 2017 as I hadn't had any claims until the "incident". I came home from work on a Friday afternoon and the Rott was gimpy in her rear legs. At that point not an emergency. Within 48 hours she was paralyzed in the back end. She spent 3 days at the emergency hospital undergoing labs, X-rays, MRI and PT. The bill was huge. I was able to provide her all the expert care she required because I had insured her. She still receives acupuncture and laser therapy as well as Rx for that injury and all expenses are still covered. I couldn't have afforded her treatment without going bankrupt without Embrace.
Insurer: Embrace
By: Linda
Love Trupanion
We have had Trupanion since our Ellabelle was a puppy. She is 10 now and has some chronic conditions and issues. Trupanion is there, giving me comfort to take care of her with no worries about how are we going to pay? They deposit claim money within a few days from our invoice being sent. They answer phone calls right away, customer service is excellent. I highly recommend Trupanion as your insurance carrier for your pet.
Insurer: Trupanion
By: Doreen
AS THE SAYING GOES....YOU ARE THE CAT'S MEOW
The workers that helped me (I'm sorry I cannot remember your names) were so kind and compassionate when my little Natale had cancer. The sad thing was she never showed any signed of illness. They covered all her medical bills. Unfortunately, the cancer spread and my little Natale, the cutest Tuxedo cat, passed away. Embrace Insurance is just outstanding when it comes to the care of your pets. I have three other pets and I must say if you are looking for a health plan for your pets, this is the company you want to handle it for you.
Insurer: Embrace
By: PAULA