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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Don't pay claims
I have submitted 10 claims for 2 dogs over the past year. Their practice is to always decline. Customer service is slow and not responsive. I highly recommend going elsewhere
Insurer: Pets Best
By: James
Great customer service and extremely friendly and caring.
The only reason my rating is an "8" and not a "10" is because of the time it takes to process a claim. My 1st claim took over a month to process and complete and the 2nd hasn't completed yet. Now with that being said, I want to point out the positive. When I originally purchased the coverage, I received a call to thank me for choosing them. And when my bulldog was extremely sick and I took her in for an emergency visit and treatment, as soon as they reviewed my claim I received a phone call following up to check if my bulldog was doing better and asked if there was anything they could do to assist further. They have a genuine sense of caring.
Insurer: Hartville
By: Jeff
Very Good Service
The service handling claims is very good. Some claims seem to take longer than necessary but not a big deal. The electronic fund transfer feature seems to allow the bank to be a 3rd party in the transfer - bad news. Why not have ACH transfers be automatic as elsewhere. As the pets age the policy prices become very big but that is probably industry follow. Bottom line I have used VPI for many years, over 10 years, for at least 3 dogs. That speaks to my recommendation.
Insurer: Nationwide
By: Tom
Disappointed
Although I should have thoroughly read the lengthy document associated with my dog's medical insurance policy, I find it highly disappointing to learn that your company WILL NOT cover my dog's hernia operation. Paying over $700/yr over the past 4 years, I would think that MEDICAL INSURANCE would at least pay for a major part of the procedure and not just the exam to discover my dog's issue. I can tell you for a fact, I will not be renewing my dog's policy with your company, Nationwide.
Insurer: Nationwide
By: Michael
Took over a month for the claim to be processed, but it paid off
My cat Maurice had some teeth pulled at the beginning of November, and I got back 90% after meeting the deductible. Maurice's insurance is a great investment in his health, both now when he's young and strong, and later, to maintain his health.
Insurer: Nationwide
By: Melinda
By having Nationwide Pet Insurance, our dog gets the best health treatment.
Best pet insurance. Great coverage, Easy to claim and fast reimbursement.
Insurer: Nationwide
By: Santi
Very good insurance to have but must be observant and proactive to responses and codes when putting claims through.
After having surgery for a broken leg my claim was payed based on only a splint and emergency visit. I had turned in all paperwork and the diagnosis code from vet and surgeon yet the claim first came back as only a splint being a diagnosis!!!!! that is not a diagnosis. I then spoke with claims and was told the process for requesting this claim to be reevaluated. Thankfully ,after reviewing this claim again the proper payment and diagnosis was approved. I am now very satisfied with Nationwide pet insurance whom I have had for many years with other pets and have even recommended to friends and customers as an RVT in the veterinary field.
Insurer: Nationwide
By: pat
Quick efficient service by caring people.
Great coverage. A staff that is professional and caring. Claims paid in about a month.
Insurer: Nationwide
By: RICK
Covers 90% of any vet bill, not much to complain about!
Super easy to submit claims and get reimbursed. I don't have any problem w/ Nationwide and our Dobie has been covered since 4 weeks old.
Insurer: Nationwide
By: LUCY
The gross negligence of the staff resulted in two rejections and two appeals, but the third party appeal was in our favor.
My name is Ja’Quan, the guardian of my dog, Velma. I am detailing my experience involving the secondary appeal process for PetsBest. As the first claim for my policy, there has been considerable difficulty in providing PetsBest with the necessary information to process our claim. As a first-time pet owner and pet insurance customer, I had no prior experience in the information required for a claim. The veterinarian we visit is a small-town older gentleman who demonstrates his care for animals through his practice. As a result, his record system is not an upscale electronical medical record system that might be used in larger practices. Nevertheless, our veterinarian has patiently worked with me to document, what we believed was, the pertinent information for this claim. However, due to the incomplete and incorrect information provided to me from the PetsBest customer service representative, this claim has been denied and unsuccessfully appealed due to PetsBest inability to identify the exact information necessary to process the claim. The claim was to have a growth removed from her paw that was causing her to limp. I adopted Velma in September 2018 from a local shelter and was provided a brief medical history of Velma (they do not know where she came from). I had provided what I had deemed relevant information for this claim. This claim was initially denied because a previous PetsBest customer service representative incorrectly entered that Velma’s growth was observed on an office visit during the 14-day window from the beginning of the policy that is not covered by identifying it as a “preexisting condition”. I did not know the customer service representation entered this information, which then resulted in the denial of this claim. As a result, during my first appeal, I was sure to obtain a written letter from my vet that specifically identified that the growth was observed outside of the 14-day “preexisting condition” window. However, that appeal was denied AGAIN because the claim representative still said the growth was observed during the 14-day preexisting condition window, which is false. However, as I have mentioned, Velma had undergone numerous examinations, during which no growths were identified. As a new pet owner, I regularly examined Velma and did not notice any growth until my vet observed it during a routine vaccine appointment, which was outside of the 14-day window. As a result, I filed a secondary appeal as an attempt to provide all of the complete information required to process the claim. The growth did NOT exist during that 14-day window. It had developed AFTER that 14-day window. As previously stated, PetsBest had not been clear on the information required to process the claim. After calling PetsBest customer service representatives over ten times, this claim was denied due to PetsBest’s inability to articulate all of the required information necessary. Had I known this level of detail was going to be warranted, I would have submitted a detailed letter, such as this, for the initial claims submission along with my vet’s documentation. However, this was not made clear to me and my claim was denied as a result. It is with a caring and honest demeanor that I simply want to provide the best care for Velma, which I believed was being accomplished through obtaining pet insurance. As my first claim with my first pet, this process was unnecessarily convoluted and contrived to prevent successful claim submissions. Had the expectations been made clear of the level of detail, this information would have been submitted previously. I am happy to say, however, that the secondary appeal process ruled in our favor and provided us reimbursement for the procedure. However, the surgery occurred in October 2018 and I was just notified of the approval in mid January 2019. This has been an extremely stressful process, which has me seriously questioning continuing my policy with PetsBest in exchange for another insurance provider. A note of caution to future people: when you file your first claim, try to obtain every single piece of evidence, and seriously question the customer service representatives about what all of the needed information is to process the claim. They simply rejected our claim saying not enough information, which I believe is ridiculous. I do not recommend PetsBest, or do so with extreme caution.
Insurer: Pets Best
By: Ja'Quan