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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Unreasonably strict waiting period has cost me thousands
I applied for pet insurance the day I filled out the adoption contract for my newly adopted rescue dog. A mandatory 14-day waiting period was enacted before my policy would be activated. Approx. 25 hours prior to the activation date, my dog experienced a non-volvulus bloating episode, which was not covered, but worse - prompted “gastritis” to be considered pre-existing condition on my pet’s policy. This bloat episode was an emergency, not a pre-existing condition I was trying to sneak into the covered conditions in this policy. I had adopted this dog < 2 weeks prior and could not have purchased a policy any sooner than that day. This was purely a case of bad luck. However, my dog has since had continued GI issues, and none of it is covered due to “gastritis” (such a broad term) being considered a pre-existing condition. I pleaded my case to Nationwide and there was no reasoning with them, no flexibility on their side, nothing- it is still considered a pre-existing condition. I’ve since spent thousands of dollars in vet bills on my dog due to this and am still paying premium costs on top of it in order to maintain my policy. I’m incredibly disappointed about my experience, and feel genuinely unsupported by Nationwide. I make sure to tell everyone I discuss this with to avoid Nationwide insurance for their pets.
Insurer: Nationwide
By: Katie
Trupanion's representatives are ALWAYS helpful.
I chose score 10 because Trupanion's representatives are ALWAYS helpful. knowledgeable and polite. And because claims processing is prompt and accurate. I do recommend Trupanion to all my friends and family!
Insurer: Trupanion
By: Pat
Very positive experience.
Easy claim process. All done through Vet. Very positive experience.
Insurer: Trupanion
By: Darryl
I often do suggest to other pet owners
I often do suggest Trupanion to other pet owners, at work and to friends/other people. Appreciate the generally quick response and payment directly into my bank account.
Insurer: Trupanion
By: Janice
It has always been quick
It has always been quick and easy to submit a claim and receive reimbursement
Insurer: Trupanion
By: kelly
My claim was approved
My claim was approved within two weeks from putting my claim in. Although I am still waiting for the check one week later.
Insurer: Trupanion
By: Tracey
Our trip to the emergency vet
Our trip to the emergency vet for rectal bleeding was not covered at all so hard to really rave about the coverage. We have never had occasion to use it before, thankfully.
Insurer: Trupanion
By: Allison
The claims process is quick
The claims process is quick and filing a claim is very simple; in fact, my vet s office will even do it for me if I ask them. The e-mail correspondence is greatly appreciated as it allows me to know you received the claim as you confirm receipt and you advise it is being reviewed. Then, within a week or so, I receive the check in the mail with a full explanation of benefits. It could not be easier and I also like the fact that if I have any questions at all, customer service is just one phone call away and a representative is ALWAYS so easy to reach without going through the burden of navigating an automated system.
Insurer: Trupanion
By: Matthew
Trupanion has always reimbursed me
Trupanion has always reimbursed me for any qualified expense, no questions asked of me. When I have phoned for pre approval of procedures, the representative has been helpful, pleasant, and so far all have been approved.
Insurer: Trupanion
By: Peggy