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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Great protection for kyour pet
This is great pet insurance. The claims are extremely easy to file. I am very glad that I have this protection for my cat and dog
Insurer: Nationwide
By: Julieanne
I’m very pleased with the coverage and service.
I’m very pleased with the coverage. It has already saved me hundreds of dollars and I’ve only been a client for seven months. I highly recommend this program.
Insurer: Nationwide
By: Deborah
Promises Promises
When I enrolled I was told pre-existing conditions like ear infections are covered after six months of no recurrence. I've appealed and appealed and all I get are letters saying you need another 30 days to review. Not happy!
Insurer: Nationwide
By: David
Accurate but slow
Been pretty happy with Pet Insurance except for the long wait times for claim reimbursements.
Insurer: Nationwide
By: Warren
Glad I have Embrace
I bought insurance for my dog Brumus several years ago knowing before the end of his life some medical emergency would arise that would be costly. And sure enough at age 10 he has developed an AGASACA. I had confidence in Embrace but until the time comes one never knows how things will go. Having the insurance through Embrace has really come in handy. My claims are processed quickly, with no quibbling, and are paid according to the regulations indicated in my policy. Brumus has a low tolerance for medical intervention, so I'm not sure what we'll be doing for follow-up now that the carcinoma has been removed, but at least I know the expense of the treatments won't be an undue factor in any decisions I make about future treatment.
Insurer: Embrace
By: Paul
Emergency surgery for bloat/GVD coverd by Healthy Paws
My GSD is recovering from emergency surgery to save his life from his stomach flipping 180 due to bloat/GVD. The emergency vet clinic quoted $5K-$9K for the surgery with no guarantee of the outcome. I was able to say "just do it ASAP" and I knew Healthy Paws would cover most of the cost. Having Healthy Paws insurance removed having to make a painful decision based on finances to save my dog's life. I submitted the claim to Healthy Paws on-line, and a check for ~87% of the cost (minus $250 annual deductible and exam fee) is on its way to me. I STRONGLY recommend Healthy Paws to any dog owner - even unexpected non life threating treatments can cost $100s or $1000s . I decided on Healthy Paws versus other insurances because they are not "schedule" based (which only cover certain treatments for fixed amounts) and have an annual deductible, not a per-incident deductible. They have been prompt and efficient in processing claims, even inquiring how he is doing. So Mikey is doing great, back to normal, and is scheduled to get the 21 staples out of his belly today (ouch!).
Insurer: Healthy Paws
By: Ron
Easy filing process, no questions, great follow-through
We put Richard on VPI (Nationwide) when he was a puppy; no questions knowing he was a bulldog. 6 years later, he had a torn ACL and a torn MCL —- a full TPLO, a metal plate, and 6 screws later, he’s a brand new man! We had never used his insurance before the surgery, and never questioned whether Nationwide would cover his costs when it came time. We were referred to a top-orthopod in town for his bully knees and his special surgery needs. Nationwide took care of Richard ever step of the way. We can’t thank them enough. I recommend Nationwide to everyone I know. I will always keep our dogs with Nationwide.
Insurer: Nationwide
By: Addie
Took a while to process the claim, but otherwise a perfect experience
I used the online portal built into my vet's system for this claim - which I loved doing. The only downside is that it took quite a bit longer to process this claim than it had in the past when I mailed them in. That long processing time - well over a month - is what prevented a perfect score.
Insurer: Nationwide
By: Gina
Good Insurance value for pricing
Yes, so far the insurance and the process has been reasonably easy
Insurer: Nationwide
By: Allan
Thank goodness we bought pet insurance!
Our puppy needed emergency stomach surgery, and it was expensive. Healthy Paws quickly processed our claim, and Toby is making a full recovery. I am now a strong advocate for pet insurance, and Healthy Paws has been excellent.
Insurer: Healthy Paws
By: Norma