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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Customer service helpful, coverage iffy
Embrace customer service has been helpful, but like with any insurance company they make you jump through hoops to get things covered. They require an orthopedic exam within the first few months of your plan, otherwise your pet is not covered for muscle-related issues (in our case, a rambunctious puppy that was fine within a week but we had checked out JUST in case). When I mentioned this orthopedic exam to my vet they made it sound like that was completely ridiculous - that exam requires a specialty office. I have their full plan - the regular insurance and wellness. Submitting a claim is easy, you have to log in to see any details (sometimes they'll email to let you know when info is available, but you have to log on to the portal), adding documentation to an existing claim is REALLY clunky. They haven't figured this out yet - you can't attach to a specific claim and have no idea if a claim they closed, requiring additional info, is being reopened with new documentation. It just isn't a great process. All in all, we got this coverage for our dog's first year as a puppy, but I'm not convinced pet insurance is truly worth it. Using their wellness program for the year, I'm only saving myself ~$60 (vs paying out of pocket), but if I didnt have this I'd save myself the hassle of submitting claims and arguing with them about whether something should be covered or not. This is why I'm saying 'no, I dont recommend this company'
Insurer: Embrace
By: Jaclyn
Appretiated
Our dog Logan ate something he shouldn't have and we had to take him to the hospital. He ended up staying one night and having an endoscopy procedure to remove the object the next day. It was really costly. We put in our claim and honestly I wasn't expecting to receive as much back, but I was glad we received like around 75% of what we spend which really helped.
Insurer: Nationwide
By: Jose
Claims need to be follow up many times in most cases
It seem like most of my claims need me to follow up and call someone. I have had your company for many years, it's time consuming to get claims paid. This last claim I was told no invoice yet their was an invoice. Your company is most difficult to work with. The only way my claims get paid is when I go to a supervisor, She always gets it done. The claim in question has not been paid
Insurer: Nationwide
By: Grace
Thank you Trupanion for being so dependable, without this coverage Jaxx wouldn’t have received the knee surgery he needed
Trupanion has been so dependable, we’ve never had to call or wait for our claim to be processed or to receive a payment.
Insurer: Trupanion
By: Tina
Great Company and great no hassle claims handling
When you spend a lot for a pet insurance policy, you are always skeptical. I purchased their premium whole pet policy because I have Dachshunds. As I have owned several over the years, they have pretty much predisposed medical issues especially with orthopedics and skin rashes/allergies. One of my dogs in the past had an $8,000 pack surgery. With my new pups I made the decision to insure them. I have had several health and emergency events already at 1 1/2 years of age. To wit, they ate a pound of licorice pastilles. One of them had to have his stomach pumped and another time one of them ate some plastic; another emergency visit! One of them has already had skin issues. They were very expensive especially having to use an emergency clinic after business hours and specialists. I have to say I have never been denied compensation for anything due to what other companies categorize as "preexisting" and you will never get premium increases due to use of policy. There are however incremental policy premium increases for each renewal year but these are normal and customary in the industry but with Nationwide this is the same for everybody. This is the Cadillac. Look no further. My policies have paid for themselves not only in compensation but peace of mind. Thank you Nationwide!
Insurer: Nationwide
By: Lloyd
Very Appreciative of Healthy Paws
Healthy Paws has been of great benefit to us and our pup, a now 9 year-old Chocolate Lab Mix. In the past 14 months, our dog has had to undergo TPLO surgeries to deal with ligament tears in both of her back legs, and Healthy Paws helpfully covered 80% of the cost of both the surgeries. They have always been helpful and responsive in covering any unexpected health issue that has arisen with our dog. I would definitely recommend them to anyone.
Insurer: Healthy Paws
By: Ian
They’re the BEST!
Abby had to have TECABO surgery; which is total ear canal ablation bulla osteomony. It’s a major surgery and very costly. Abby has had insurance with Healthy Paws since she was a puppy but I was still nervous about calling them to see how they could help. They were, and still are amazing. They made the payment process easy and seamless, a relief considering the stress of the situation. They contacted me after surgery to see how Abby is doing. I highly recommend Healthy Paws to anyone who loves their pet. They are compassionate, extremely helpful when you need the help the most, and they’re fast!
Insurer: Healthy Paws
By: Debbie
Amazingly easy
Amazingly easy to submit my claim. Great service.
Insurer: Trupanion
By: Helene
Comforting to have an insurance plan
Lizzie Jean (a Goldendoodle) suffered gastrointestinal problems for several days around the holidays that included diarrhea and vomiting with red color in it. After multiple rounds of x-rays, blood test, fecal tests and physical exams nothing conclusive was found that was the source of her problem. The good news is after putting her on a bland diet for a week she has fully recovered and is back to normal. The bill for a relative minor problem was almost $1K. Thank goodness it wasn't anything more serious. Even though this is the 1st time in 2.5 years I have needed to use the insurance I know from past experience how expensive a serious illness can be for a pet. When you have a sick pet you don't care what the cost is to make them better but when the smoke settles it is very comforting to have an insurance plan which can help out. It is especially great when the claim submittal process and payout is a painless as it was with Pets Best insurance.
Insurer: Pets Best
By: Terry