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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Limited prescription food coverage and deducted taxes of prescription food not covered from total reimbursement.
My cat is diabetic and requires insulin and a special diet. After meeting my deductible I submitted a claim for my cats food and insulin. When I received the claim reimbursement, the food was not covered and the veterinary exam not covered. The insulin was reimbursed. However, in addition to not reimbursing me for the food, Trupanion subtracted the taxes paid for the prescription food from the reimbursement for the insulin. I spoke to a representative and a supervisor. They explained that whatever the total tax was on the bill submitted, whether covered or not, would be subtracted from the items covered. In other words, I was paying double taxation. The company said that that is their policy. At this point, it was not so much the amount of money, as the principal. I hope I will have Better luck with Trupanion in the future as I have had 3 cats on the plan for many years with no claims.
Insurer: Trupanion
By: Karen
Great support
They have been very supportive with the coverage for Toto's eye damage and follow up's with ongoing medical requirements.
Insurer: ASPCA
By: Thomas
great insurance coverage
Nationwide insurance is a fine insurer to be associated with. I personally have an upgraded policy and have absolutely no complaints about claim reimbursement. Their policy rates are comparable and yes, as one's pet ages, the rates do increase in plateau parameters. The time frame from their claim receipt to claim reimbursement is fairly expedient and thoroughly explains the benefit remittance applicable. I have had Nationwide for my previous pet of 16 yrs and without any reservations or shopping around, I immediately enlisted Nationwide for our new addition. Considering that we would take care of our dog, unconditionally, and spend whatever it takes, having Nationwide Pet insurance to offset our out of pocket expense is most welcome. They don't cover everything but will cover, either partially or fully, other issues. Having the peace of mind of having insurance in case of an emergency, is well worth the monetary difference of policy cost and remittance. MY only reservation about Nationwide is that their dental coverage is minimal, at best. Considering dental health most important to a dog's overall health, I would have expected more from them, even if it would require a rider policy to include additional cost. That being said, I do recommend Nationwide Pet insurance.
Insurer: Nationwide
By: Anthony
Fast claims approval
Our Lab, Sky was scheduled to have a brain tumor removed. Unfortunately, she had a massive seizure 2 days before which landed her in the hospital for 4 days. Instead we had to make the painful decision to say goodbye. The hospital submitted the claims for us to Embrace. We were informed when the claims were received and quickly reimbursed for nearly $7,000 in charges. We have been recommending to other dog owners to get insurance for them as one crisis can be so costly. Thank you for making a difficult time easier to handle because of coverage.
Insurer: Embrace
By: Kathryn
Nationwide Pet has been a huge help to us for the last two years.
Because of this insurance company, we have been able to take care of some major health problems for our two year old coton.
Insurer: Nationwide
By: John
Nationwide pet insurance has enabled us to give my pet the care he needs as he ages.
Nationwide pet insurance has enabled us to give our pets the care they need as they age.
Insurer: Nationwide
By: Karen
DO NOT BUY - DECEPTIVE ADVERTISING AND NO COVERAGE
I purchased this insurance including inherited coverage. The way the advertising worked if you got the free insurance and purchased the paid for inherited the waiting period was covered. This is deceptive. I did that and 8 months later had a claim. Claim denied due to 5 day waiting period. Really? Really? I cancelled and will not purchase for any dog or recommend.
Insurer: AKC
By: PATRICIA
So Thankful to have Insurance!
When we decided to get a second Great Dane, I knew we had to have insurance. Unfortunately after only having insurance for three months, my new puppy developed a mass and needed surgery. Nationwide has been so great and fast with the reimbursements. I am so thankful we got insurance, it was the best decision ever!
Insurer: Nationwide
By: Sally
Efficient
We have been very happy with Nationwide. It may take several weeks for a claim to be processed but have never had any issues submitting them and getting reimbursed. The direct deposit process is very easy. Thank you for all you do for our two pups.
Insurer: Nationwide
By: David
Could be better
Whenever my cat needs to have a follow up with the vet, I have to wait months at a time to get reimbursement. Meanwhile, I have to pay it off on my credit card. Which is 19% each month nationwide is setting on it. My co-worker uses a different company, and she gets her reimbursement within a week. If the company needs more info from the vet, they call the vet themselves. Each year monthly premiums seem to be rising to 20% more a year which is super high from my point of view. When I first open my policy, there was a 1% rise in premiums. I might be looking into different policies, this coming year.
Insurer: Nationwide
By: Haley