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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Better but now plagued by something else.
So much appreciate your concern in checking in on the status of Munchkin. We have never felt/observed such. Thanks.
Insurer: Nationwide
By: Lori
Could not be happier
My claim was filed by the veterinarian office. I was notified when Pets Best received the claim, when the claim was settled, and again when payment was sent. I initially didn't quite understand the way the initial claim was decided so I simply called the number provided by Pets Best and my inquiry was easily answered by a very knowledgeable, friendly agent. Unfortunately, I've already met my annual deductible with both my Sphynx this month. But Pets Best has taken the financial stress out of the situation. I absolutely could not be happier or more impressed with Pets Best and recommend it to all my friends with pets.
Insurer: Pets Best
By: Dawn
Blissfully easy
The claim process was blissfully easy. It's my first one with Pets Best. After the stress of having to take my dog to emergency surgery, I was relieved it was that quick and simple to file the claim and receive the deposit.
Insurer: Pets Best
By: Holly
The pet insurance company, that not only cares about the insured but the insurer(owner).
I will start out by saying Embeace care about their customers. I have had pet insurance with Embrace since 2015. On 24 November 2018 my American Bulldog hurt her leg pretty bad. So the with and I took her to the Animal Emergency Hospital, we were told she most likely tore her ACL and that I needed to call the veterinarian hospital the next next day(how much is this going to coast? About 1500. Ok). So the next day I call and the damn appointment was made for 14 January, REALLY, but nothing I can do. They will do x-rays and the surgery all the same day. So appointment date rolls around, I take my poor dog in and she is x-rayed, I'm thinking it's going to be a long day. The Veterinarian (doc), comes in and tell me it worse that anyone thought. Both ACL's are gone. And the price for surgery in about 5,oooh dollars. My heart dropped. I'm thinking to myself there is no way in hell Embrace would cover this. I don't have 5,000 to pay out of pocket and then wait to be reimbursed. I worried, very worried. I go home, call Embrace. I get Jessica Hoffart, me being a retired marine, I'm a little strong with Ms. Hoffart. I'm upset over the price, worried how I'm going to pay, and Ms. Hoffart, the hold time is reassuring me that she and claim will do everything in their power. Ms. Hoffart sent me emails with up dates for two days. In my head I know I wouldn't hear anything for weeks for sure. So Monday the 14 of January I made the call to Embrace. Thursday 17 January, I recieved an email from Ms. Hoffart, stating that an approval had been made for XXXX, amount minis my 20%. I will tell you years came to my eyes. Not only did they approve me in record time, but they covers the whole damn claim. Just a few forms for me and the vet hospital to fill out, that was it. No stress. Embrace and Jessica Hoffart I cant forget claims department. From the bottom of my heart, Thank you so very much. My dog surgery was on 19 January, and she is recovering wonderfully. Again thank you Sincerely C. Sampson7
Insurer: Embrace
By: Sampson
Many good choices, ASPCA is not one of them
A small clause in their contact, something like: any condition not resolved in a claim period (in our case it was the calendar year) cannot be carried over to the next claim period. In a nutshell, at the annual wellness exam in December, our vet suggested a senior exam since she was 8 yrs. A lower than normal red cell count showed up. Our vet then did a scan looking for internal bleeding. Nothing showed up, our dog seems perfectly fine. The vet refers us to specialty clinic, couldn't get an appt. until January. More detailed testing revealed a serious bone marrow problem. She was gone in 6 months. Although I had paid my premiums for years, everything after January 1 was denied. Why? anything not cleared up in a contract period cannot be carried over (even though the premiums automatically renewed and continued). We hadn't even had a diagnosis yet. Therefore, if your dog gets sick, it better be in January. ASPCA has no affiliation with the charitable organization, they pay them to use their name. They are nothing like the ASPCA we know and love. I fought to get a small compensation that didn't anywhere near cover the costs of her care. I don't know if they've changed their ways or not but any company that inserts dirty little tricks like this into their policy is no friend of our pets and shouldn't be trusted. Lots of good pet insurance companies out there that do not have these practices. I know, I was very careful in selecting insurance for my new dog. This site was helpful. Felt the need to let other pet owners know about my experience.
Insurer: ASPCA
By: Donna
Arna's illness
My little life saver, Arna, is still on the way to recovery. You more than likly already how a pet parent can be over whelmed, when their love one is sick. I was very impressed how fast the claim was processed, thank you. I have been promoting you to all of my co-workers how great you are. I am so thankful for you, as there is no stress on how I am going to pay. Arna goes every where I go but to work, so she is exposed to everything and you just never know... The only thing I wish is you would mail the magazine in stead of email, as I can then also share with my co-workers. We do not always have the time to read our emails and we cannot get them to print. The magazine delivered to the home is quite a bit nicer
Insurer: Nationwide
By: Juanita
Best dog insurance out there
I am very pleased with Nationwide and can truly say that I was unhappy with my former insurer. Nationwide keeps you informed through emails of various ways to take care of your pet. They are very helpful when I had to file a claim for Chloe and it was completed quickly. I couldn't be more pleased.
Insurer: Nationwide
By: JOHN
Nationwide makes tough times easier!
My 2 year old great dane severed a tendon and artery in his leg over a year ago. We have had a series of infections and several surgeries to deal with over the past year. He even contracted a super bug! It is almost all healed now, he has full function of his leg and Natonwide has been beside us all the way. Great vets and good insurance are the best combination! Thank you Nationwide!
Insurer: Nationwide
By: Charlene
Doing great.
Our dog has been a client of Nationwide for four years plus now. They have always done right by him. I certainly can highly recommend Nationwide for any of your dog’s insurance needs.
Insurer: Nationwide
By: AJ