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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They will find any excuse to not pay. Even if it means lying.
This company will use any excuse to collect your money and not help you. My dog has been hospitalized for bleeding anally and throwing up and they told me because she's thrown up before they can not cover any of the cost. She has never been to the vet for throwing up and even the vet doesn't understand why they aren't covering this. Highly recommend going with a different insurance company. I'm now stuck with a $3,000 bill because they are lying to get out of covering this.
Insurer: Trupanion
By: Caleigh
So Happy with decision to purchase this insurance for our dogs years ago.
We purchased health insurance for our two dogs many years ago. For us it has been so worthwhile. The coverage for both well and sick care is excellent. It makes the decisions about specific tests and unusual care easier knowing we have help with the cost. I highly recommend people with pets to consider getting this.
Insurer: Nationwide
By: Sandra
Great customer service.
Very helpful in purchasing this insurance. Quick review of submitted claim and reimbursement. I had Nationwide insurance with my Siberian Husky for 15 1/2 years.
Insurer: Nationwide
By: Donna
My only negative is the length of time to process the claim and get paid.
I have had my 2 Labs covered by Nationwide Pet Insurance for several years. It’s been a great ease of mind knowing that there is a safety net to help our animals if something major goes wrong.
Insurer: Nationwide
By: Karen
The best pet insurance is Embrace!
Embrace is always courteous and prompt when answering questions or settling claims. It is reassuring having such excellent coverage to go along with the top level of veterinary care our cat receives. Thank you, Embrace!
Insurer: Embrace
By: Susan
EVERY PET OWNER SHOULD HAVE INS WITH PET PLUS US!!
Incredibly grateful and fortunate that we have PET PLUS US Insurance for our Jack! Ease of claims is the least benefit! Jackie has idiopathic epilepsy which developed at the age of 2 and 1/2... managed and controlled by meds, an amazing Vet, his loving family and PETS PLUS US Insurance ... Jack remains low risk and has a thriving adventurous life! THANK YOU! ~ Jack’s Mama
Insurer: Pets Plus Us
By: Marissa
Better than I expected!
As a first time dog owner and hearing of all the pet emergencies my friends and their pups have endured, I thought I’d start my pup right away. I’m so glad I did! I woke up one morning to my 11 mo. old black lab unable to walk and whining...which I’d never heard him do before! After vet appointments, sedation, X-rays, medicine, referrals, and surgery, my pup is on the mend. I’m not worried too much about the vet bills as I picked a good deductible and percentage of bill payment that works for my financial situation. The claims have been really easy to submit by snapping a picture with my tablet and uploading it to the site. My return payments have come back quickly and directly go in my checking account. I’ve passed on FIGO praise to all my pet owning friends.
Insurer: Figo
By: Rae
I'm very pleased
I signed up for the illness plan and the wellness plan. After reading the reviews and talking to the staff I felt assured of signing up. I submitted my first two claims, and was as easy as they explained. I was given updates throughout the process and my claims were processed. I'm very pleased with Pet Best Insurance.
Insurer: Pets Best
By: Emily
Didn't process claim for 7 weeks until I called 5 times and threatened to terminate all 5 pet policies.
Placed a claim for 1 of my 5 covered dogs on 2/11/19. Received an email that vet records were needed. Called to let them know that VCA was an ER vet, and couldn't provide records. Weeks later, received a call that they still needed records, and the claim would be closed if the vet didn't provide them. Called again and told them that they would have to call my regular vet, not ER vet. After yet another week of silence, followed up again, and heard that they didn't have a chance to follow up. I called my vet and had them send the records myself. I didn't hear anything for 2 more weeks, and called again asking for the claim to be escalated and processed. Was told again that they were "behind". I asked for claim to be escalated immediately and processed, and was told I'd hear on the following Monday since the claim hadn't been processed, escalated, and no supervisor was available. On Tuesday I called demanding to speak to a supervisor, and threatened to cancel all 5 of my pet's policies. By this time, I have paid $500 deductibles on 3 of my 5 pets in addition to paying all of my premiums on time, but could NOT get them to process a claim. I finally received notice that my claim had been processed and my check should arrive in 5-7 days. Today is day 8, and no check. Since I've already met 3 of my dog's deductibles, and feel like it would be ridiculous to leave now, as I would have to meet the deductible at another company yet this year. Will cancel all policies at the end of the year and go to Trupanion, who I've heard great reviews about. (Oh-and I sure did get notice quickly on the other dog's claims when the deductible hadn't been met yet, so there would be no payment rendered!) SUPER QUICK TO SAY NO, BUT UNACCEPTABLY SLOW WHEN A REIMBURSEMENT IS DUE. Promise of payment in 5-7 days is a lie.
Insurer: Pets Best
By: Janalee