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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Nationwide Pet saved my pet's life.
I am very thankful that I have Nationwide Pet Insurance. My cat Sebastian was in a very bad state with his bladder being blocked and it was a tough decision to have the PU surgery, but what made it easier was knowing that I had Nationwide Pet insurance on him and with his policy I would be able to save his life. He is doing so well now, and as my friends ask me about him, I always add that if it wasn't for the pet insurance, it would have been a lot worse for him. I always ask them if they have pet insurance and that they should look into getting Nationwide Pet Insurance, it only takes a few minutes to get a quote.
Insurer: Nationwide
By: Nancy
HIGHLY RECOMMENDED
Amazing customer service and super simple claim process (just snap a picture!). They’ve covered surgeries for both our dogs AND all the medicine needed for pain management on-going. HIGHLY recommend.
Insurer: Healthy Paws
By: Lauren
Stereotypical outcome - claim denied
I filed a claim for surgery performed on our dog Mambo on 11/2/2018. The surgery was to remove stones in his bladder. The claim was denied as pre-existing. My policy states: "A condition will no longer be considered pre-existing if your pet's condition has been cured and free from treatment and symptoms for a period of 180days". Our dog has no other medical history for the last 12 months, which his medical records show. Our vet has provided the following letter to the insurance company: "To Whom it May Concern - XXXXXX, 12y MN havanese, has been under our care here at XXXXX Veterinary Clinic since September 2017. He presented for inappropriate urination signs, and during workup it was found that he had urocystoliths. We performed a cystotomy 9/23/17, with a stone analysis which was consistent with Calcium Oxalate uroliths. The Hills C/D diet was prescribed for the first time post-operatively (again, 9/23/17). Ms. Selwanes refilled this food several times from 9/2017 thru 10/2018. During this time, Mambo had no clinical signs of urinary disease at home. He was seen for a routine vaccination visit on 6/8/2018 and no clinical signs of urinary disease were noted. He came in for his annual exam and labwork on 10/30/18 and still reported no clinical signs of urinary disease. However, on his urinalysis we noted hematuria and crystalluria and recommended abdominal x-rays. A second cystotomy followed on 11/2/18. I hope these details help clarify the timeline so that Ms. Selwanes claim can be processed fairly. Please call me with any additional questions or if medical records are required. Take care, xxxxxx, DVM MIVC xxxxxxx" Our vet furthered with: "To Whom It May Concern, Regarding our patient xxxxxxx, his Hill's Prescription Diet earlier this year was not prescribed for urocystolith dissolution. Please feel free to contact us for more information if required. Sincerely, xxxxxxx, DVM xxxxxxx Veterinary Clinic xxxxxxxxxx", Seems irreconcilable to me that the Vet says we meet the condition, and the insurance company knows better????
Insurer: ASPCA
By: Ragui
Embrace Is Great
Embrace makes pet insurance easy and affordable. Insuring my pet through Embrace was the best decision I ever made involving my beloved pets. I enrolled in Embrace before I even picked my pup up from the breeder; and I am so glad I did! At just one year old, my Laborador Retiever pup, Phoebe, severely injured her knee which required major orthopedic surgery. Days after her surgery, she was bit or stung and had a potentially life-threatening allergic reaction which required emergency veterinary care. I simply submitted the claims and invoices and, done! Customer service is top notch, professional, courteous, and prompt (by phone and e-mail; I’ve had positive experiences with both). If you don’t have insurance for your pet, get Embrace now! I would highly recommend Embrace to anyone with a pet. The peace of mind of knowing you can make the best decisions regarding your pet’s health, without worrying about unforeseen and astronomical costs, is priceless! Embrace’s coverage makes caring for your pet so much easier. My pup is a member of our family and Embrace will make you feel like a part of theirs.
Insurer: Embrace
By: David
Nationwide makes taking care of my puppy much more affordable!
My puppy is like my child and I want to provide her with the highest quality veterinary care, food, medication, etc. Nationwide makes taking care of her much more affordable and eliminates the financial burdens by quickly processing claims and regularly checking up on her.
Insurer: Nationwide
By: Courtney
Ease of communication with the company
I have had a very good response and communication with Nationwide. Their electronic claims processing is very easy.
Insurer: Nationwide
By: Ron
You guys are the best
This insurance is faithful and pays on time. We are very happy to have chosen nationwide for our pet. It makes us feel better that our pet is protected.
Insurer: Nationwide
By: Mary
Terrible insurance-- do not use them!!
Pets Best made a very stressful time with a sick and dying cat 10 times worse. I will never use them again. I had to follow up on claims (of over $7,000 all said and done) a total of SIX different times. What I was told on the phone and what they showed on their online system/app were frequently two totally different things. The claims process is lackadaisical-- I had to send the same paperwork four different times because each time a new Pets Best representative would tell me they had never received it. 2.5 months after the initial claim was submitted, I STILL have not gotten resolution on any of the 6 claims submitted between then and now, including sadly having to put my cat down. And even then, after submitting final claims for euthanasia, I had to call AND email to have my policy cancelled due to her death. (At which point I was asked AGAIN about the paperwork that had been sent four times prior). Disorganized, unprofessional, and a complete waste of time and money. Look elsewhere!!
Insurer: Pets Best
By: Emily
The best
Always helpful. Pay quickly
Insurer: Nationwide
By: Jill
I pay my premium on time, but it takes a long time to get reimbursed. Reimbursements are often not worth the premium I pay.
I have fairly young dogs and they don't get sick often. However, It's still good to have pet insurance because it helps off set some of the costs of veterinary care when my dogs get sick. However, Nationwide pet insurance takes a long time to process claims and the reimbursement is often very limited. I think they should reassess their processing time and increase their reimbursement rates to make it worth the premium I pay.
Insurer: Nationwide
By: Adel