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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Excellent Support & Fast Claim Pay
Pet parent of 11 yr old mixed large breed dog. Thought of spending almost $100/month was something I wrestled with. However ultimately after several online chat sessions and emails where each representative was very patient and thorough in answering my many questions, I was more at ease. Claim process by Embrace has far exceeded my expectations, especially with payout. Have had policy for less than 3 months and I've had 3 claims submitted (diagnostic blood work, comprehensive blood work, and medication...optional cost but worth it). Each claim was paid out via direct deposit (love that they offer this option) within 72 hours of getting email confirmation of receipt of claim. Recommend buying as much policy as you can afford upfront as fine print says if you increase coverage wait period applies. New wait period does not apply to reducing coverage. Also check with your bank or other insurance company for your home/auto as they may offer a discount for your pet policy. Sad to have had to use policy so soon but so thankful I have it so my girl can get the care she needs and I have the peace of mind knowing I can now afford it. Waiting on vet to submit claim for recent surgery to remove a sock she ate ($2700), and have every confidence it will be handled as efficiently as the prior claims.
Insurer: Embrace
By: S.W.
Highly Recommend
Highly recommend healthy paws. I’ve been a client for eight years and claims are always processed very quickly and Very easily through the mobile app I even received an email for them today asking me how my dog is doing based on some recent claim activity that I had submitted
Insurer: Healthy Paws
By: Andrea
I no longer doubt the benefit of having pet insurance.
Never knew what benefit it was to have pet insurance until getting our two policies two dogs). It really helped when one dog had to have knee cap surgery and ACL repair. Even when she temporarily had to eat Rx food, you were there. We have changed the protein type in her food, so a prescription diet is no longer an issue - good news! Thanks for the newsletters and helpline, should I need it. And thanks for the policy benefits.
Insurer: Nationwide
By: Jane
Never have a problem with the customer service.
Every time I have called I have always gotten someone who is understanding and helpful. My claims are always processed in a timely manner. I like how there isn't a time limit on me sending in the claim. Now that there is an app to use to send in claims it is even better.
Insurer: Nationwide
By: Corinne
ASPCA pet insurance is absolutely the best available!
I researched all of the companies that offered insurance in my state. I chose ASPCA because I felt that it was best suited for me. It was a great choice. I lost my cat Charlie to cancer. We tried everything to save him and ASPCA was right there. They cared. After Charlie lost his battle, a representative actually called to check on me and offer condolence. They also sent me a card. My other cats have had issues and ASPCA always covers their share of the cost. If I didn't have insurance . . . my husband would insist that the cats be euthanized. The reason that I initially purchased insurance for all of my cats was because we spent $8,000.00 trying to save my husband's beloved cat "Norm." After that, he said anything over $100 and the cat has to be put to sleep. Thank God for ASPCA. I am constantly telling pet owners to call ASPCA and buy pet insurance.
Insurer: ASPCA
By: Victoria
ASPCA pet insurance is absolutely the best available!
I researched all of the companies that offered insurance in my state. I chose ASPCA because I felt that it was best suited for me. It was a great choice. I lost my cat Charlie to cancer. We tried everything to save him and ASPCA was right there. They cared. After Charlie lost his battle, a representative actually called to check on me and offer condolence. They also sent me a card. My other cats have had issues and ASPCA always covers their share of the cost. If I didn't have insurance . . . my husband would insist that the cats be euthanized. The reason that I initially purchased insurance for all of my cats was because we spent $8,000.00 trying to save my husband's beloved cat "Norm." After that, he said anything over $100 and the cat has to be put to sleep. Thank God for ASPCA. I am constantly telling pet owners to call ASPCA and buy pet insurance.
Insurer: ASPCA
By: Victoria
ASPCA pet insurance is absolutely the best available!
I researched all of the companies that offered insurance in my state. I chose ASPCA because I felt that it was best suited for me. It was a great choice. I lost my cat Charlie to cancer. We tried everything to save him and ASPCA was right there. They cared. After Charlie lost his battle, a representative actually called to check on me and offer condolence. They also sent me a card. My other cats have had issues and ASPCA always covers their share of the cost. If I didn't have insurance . . . my husband would insist that the cats be euthanized. The reason that I initially purchased insurance for all of my cats was because we spent $8,000.00 trying to save my husband's beloved cat "Norm." After that, he said anything over $100 and the cat has to be put to sleep. Thank God for ASPCA. I am constantly telling pet owners to call ASPCA and buy pet insurance.
Insurer: ASPCA
By: Victoria
Glad to get as much back as possible but it took over a month to have 2 claims reviewed at the same time.
I understand that to be as thorough as possible with fulfilling a claim this takes time but this was the longest it has taken for me to receive a decision on a claim.
Insurer: Nationwide
By: Corina
Thankful to have Embrace Pet insurance
We joined Embrace Pet Insurance in 2016 and our dog was 7 years old. It was my husband's idea to look into pet insurance after hearing stories about medical expenses from other pet parents at his office. I'll admit I did not think it was important but I went along with the idea and did some online research. We decided to get Illness and Accident coverage. Here we are 2 years later and I am very thankful that we have insurance for our dog. In past year, our dog has had surgery to repair his cranial cruciate ligament and, most recently, had a pericardial effusion. Having Embrace Pet Insurance has allowed us to meet our dog's medical needs without worrying if we can handle all the expenses. The customer service reps have been very helpful. Filing the claim forms have been easy, too.
Insurer: Embrace
By: Rebecca
Good coverage
Good coverage For your pets have been very pleased over the years with them
Insurer: Nationwide
By: Karen