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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Best decision you can make for a furry family member.
This is the first pet I've ever had insurance for, and I'm glad I do. Our dog is part of our family and we want the best for him. Having this insurance has helped pay for his regular shots, prescription food, flea medications, much needed teeth cleaning, and other costs. If we didn't have the insurance it would have been a financial burden and we might have had to make some difficult choices about our dogs future. As he is getting older and is now requiring more consistent medications and veterinary visits, we are again so happy we chose to have insurance. Embrace is amazing with their very quick reimbursement. If I ever have questions or concerns regarding our claims or policy coverage, I can call or email and get a rapid response from a real live person. Embraces prices are reasonable and can fit any budget, since you can customize your coverage. I recommend embrace to anyone I can and will continue to do so. Keep up the great work!!!
Insurer: Embrace
By: Angelia
Improvement needed
Although I am very satisfied with your company, I do think it’s a crime that if you need additional information, none of your employees do it while reviewing a claim. All the information is ther to make a quick phone call. Instead the claim is denied for additional information needed bc it was missing and the consumer now waits another month to be reimbursed! Very frustrating and unnecessary.
Insurer: Nationwide
By: Sue
Good company but needs to review their procedures if a client has a wellness plan for their pet!
I have spoken to your staff several times and find them quite knowledgeable and courteous. My only complaint is that since I have a wellness plan with my Vet here in Florida, all of Maggie's visits, shots, etc. are covered under that plan and they do not charge me additional monies. This means that I cannot use what would have been the actual costs toward my deductible with you. I am being penalized for having a wellness plan!!
Insurer: Nationwide
By: Constance
ACL Surgery
We are very happy with Nationwide Ins, they have come through for us big time over the years, thanks
Insurer: Nationwide
By: Ray
Pet insureance that is as preventative minded as helping during an emergency
The pet insurance has been helpful for a new pet owner and also of a VERY active dog! Coverage includes preventative meds, helpful/relevant e-mail tips, and restorative care coverage too.
Insurer: Nationwide
By: Norma
You do what you say you will do
Very impressed with the insurance. Filing claims easy.
Insurer: Nationwide
By: Jacki
Great coverage for my dog’s surgery.
The coverage for my dogs recent surgery was great! All but $7 was covered in a bill of over $1100. I am extremely happy with my pet insurance and do encourage family and friends to look into it for their pets. My sister never heard of it and when she rescued her new fur baby, she signed up for insurance and is happy too.
Insurer: Nationwide
By: Patti
Slow process of claims
Slow process of claims up to 60 days
Insurer: Nationwide
By: Christine
Very fast payment and great customer service!
Figo has been great so far. Very fast payment and great customer service.
Insurer: Figo
By: Charlene
Is Trupanion Reliable Coverage? Their Rates Increase Yearly!
I have had Trupanion coverage for about 15 years. When I started out they were fantastic about claim coverage for my pets and their fee's were reasonable. There are pro's as they have evolved, quick reinbursement, easy for my vet to submit directly for payment, uploading invoice via their app etc. However, as our relationship with Trupanion has progressed, my rates have gone up steadily each year, about $5 per per pet per month. The claims are now picked apart, divided into multiple issues so you are paying your deductable for each issue, even if problems are related or diagnosis is still underway by your vet. We took our commatose dog to our vet at 5pm he was unresponsive, they could not care for him overnight, they did not have 24 hour care, he was transfered to overnight care, then in the morning transfered again to specialist for diagnosis. Each veternarian facility we paid our deductible again, as well as the "office visit", even though he had been transfered for the same issue the entire time. Each invoice has a new claim number even if it's all related to the same problem creating issues on payment becasue they do not throughly go through the notes to see if its an exsisting claim. They tell you once you sumbit the invoice if they have further questions they will contact the vet, NOT TRUE. They process as new deduct deductibles and "office" fees, if you have to appeal the case its painstakingly difficult. The follow up is terrible and you will be responsible to contact your vet for the necessary vet notes etc dispite their stating they will. We currently still have a claim in "appeal/review" since September, dispite my intervening and following up with both Trupanion and our treating vet, making sure Trupanion had all the details they needed to resolve. Their follow up is minimal with you. Bottom line, Trupanion does provide good coverage but over the years has nickle and dimed us for all they can, our rates have constantly gone up and their customer service and resolution is minimal at best with a few exceptions! You are better off going to a specialist with multiple capabilities opposed to going to your primary vet. Even if you are referred for further testing each facility you will have to pay their "evaluation" fee regardless your vet has sent you there for continued care. At this point we cannont change insurance for our one beloved dog as he will now have preexisiting issues/conditions for new pet insurance, but are in the process of seeking other coverage for our other pets and will not be back. Its sad Trupanion has raped us with constant coverage manipulation and yearly increases.
Insurer: Trupanion Canada
By: Lisa