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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Embrace is the best choice I could've made for our family.
I truly appreciate the security and peace of mind that Embrace Pet Insurance gives our family. Claims are easily submitted and quickly reimbursed.
Insurer: Embrace
By: Jessica
Horrible claim processing time
The company says they will settle your claim within 30 days. I have claims that I filed in early October that haven’t been processed yet. Every 30 days they send me a letter saying it will take another 30 days to process, but they don’t tell you why. This has continued for four months. If I would have known this I never would have signed up with them. I have 8 open claims that I am waiting to have processed. The company is slow to process your claim but quick to take your money.
Insurer: Nationwide
By: Sue
Not the best return you would hope
My two cardigan corgis got poisoned and developed pancreatitis, intractable nausea, vomiting and bloody diarrhea. They wanted to put them down initially and after 24hr reevaluation. They stayed in ICU care about 6 days with multiple iv fluids, medicines and eventually they pulled through. The final bill was between 10-11 thousand dollars for both dogs. We got about 3500 dollars back. For poisoning which is the main reason for which they went, they only covered 100 dollars out of 5000. That was appalling and ridiculous. We've been with this insurance since they were born (initially VPI pet insurance and now Nationwide), paying high premium for both and we've usually just take them twice a year to the vet for check ups, vaccines and dental hygiene. We pay out of pocket for all heart meds and flea control. I don't know why they cover so little for something so frequently encountered in the pet population. I personally wouldn't recommend the insurance. if we save all the money payed to the insurance company, we would have been able to pay the whole disease process.
Insurer: Nationwide
By: Jesus
Since Nationwide has taken over VPI, the quality of service, what the policy overs, and turnaround on claims has gone downhill
I have noticed a marked change for the worst in policy coverage, the amount of information required, and the process for filing a claim.
Insurer: Nationwide
By: Robert
Not liking that gastroenteritis is listed as a pre-existing condition due to a couple of visits related to diarrhea He's a puppy
Moose is a puppy. Just turned a year old. He has a sensitive stomach as most puppies do and most is related to eating things he shouldn't eat. Gastroenteritis is now listed as a pre-existing condition for him. This is ridiculous and we are now looking for alternative coverage
Insurer: Nationwide
By: Lori
So far so good
So far so good. I understand the processing claims time. I wish wait could be shorter. I do like emailing the claim form in.
Insurer: Nationwide
By: Yunice
Takes a lit of time to go over the claim
It took forever from you guys to send the check for Kronos. I don’t even know why you ask the medical records from 2017
Insurer: Nationwide
By: Bagrat
Having insurance for Beau is so helpful!
We really appreciate knowing that Beau’s vet visits and medicines are at least partially covered by Nationwide! It’s very reassuring :D
Insurer: Nationwide
By: Tordis
The claims staff provides prompt, efficient, cheerful, and empathetic service.
I've only had my two dogs insured through Embrace since 2016, and had not reached the high deductible I chose, until this year, for one dog. He has a torn ligament, for which vets recommended fairly expensive surgery. He also has arthritis, for which he's receiving expensive shots. Embrace has notified me promptly when they receive a claim, and again shortly after, when they make a determination. They've also responded promptly, efficiently, cheerfully, yet with empathetic encouragement to my questions. They have exceeded my expectations and confirmed my initial judgement that Embrace was the best pet insurance option for me.
Insurer: Embrace
By: Mike
Thank you for Quick Reimbursement!
My pup unfortunately had to get an emergency surgery to remove some (now we know) non-cancerous lumps around the holidays. I was happy to see we almost got our full vet bill reimbursed and quickly - plus right to my bank account. Thank you!
Insurer: Nationwide
By: Lesley