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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Great Service
Very good, prompt in handling claims.
Insurer: Nationwide
By: Wilda
Difficult to deal with
I have found you very difficult to deal with. Casper had surgery in August which you have yet to reimburse for along with followup visits. You asked for more information which was sent and you still have not responded. When I tried to insure my other dog last year and unbeknownst to me she had bone cancer, you accused me of a pre-existing condition. There was no prior vet visits for this condition even after I sent you all the files. My other dog is now insured with Trupanion who are much easier to deal with. You can be sure that if I get another dog, Nationwide will not be the insurance company I will go to.
Insurer: Nationwide
By: Evelyn
Finally received a payment
This is the first time any condition was paid for, a broken tooth. This is particularly egregious because the dog suffered a torn ligament long after we acquired the insurance and it cost us over $4300 for the surgery, etc. It turned out that the condition was not covered during the first year after buying the insurance. It was not a preexisting condition. There is a long list of conditions not covered during the first year, but short of clairvoyance, it is impossible to know that these will occur--plus who pays attention to such a long list of conditions that have never existed.. So I suggest that buyer beware, and pray your animal does not incur any of these conditions during the first year of insurance coverage.
Insurer: Nationwide
By: Barbara
Nationwide is very responsive in the processing of their claims
Nationwide is a pleasure to deal with. Their customer service is excellent and they are very efficient in the processing of claims. I have already recommended them to a friend who has signed up with them.
Insurer: Nationwide
By: Sheldon
If your going to buy pet insurance make sure it’s Nationwide.
By far this is the best pet insurance company you can buy. Easy claim forms, friendly courteous staff, quick payment deposited into your account and able to upgrade your pet’s policy as needed. .
Insurer: Nationwide
By: Marshall
Having Embrace pretty much saved our dog’s life and kept us from stressing about getting him treatment!
When our 7-year-old Boxer went from happy zoomies to lethargy and pale gums in a matter of hours, we rushed him to our nearest emergency vet. We didn’t know what to expect, and when we were told he had an internal bleed that would kill him in a matter of hours, we were devastated. Making it even worse, they suspected hemangiosarcoma. Still, there was a 33% chance it wasn’t cancer, and the only way to save his life and find out was a very pricey splenectomy. Thanks to our coverage from Embrace, we didn’t even have to think twice about giving the green light to the surgery. Our boy made it through with flying colors, but the hemangiosarcoma diagnosis was sadly confirmed. However, again, because of Embrace, we were able to get him the traditional chemotherapy AND integrative oncology treatment that he needed. It had been three months already, and our boy is simply a miracle. (AND we had our reimbursement from Embrace before our credit card statement with the surgery on it even posted!) We couldn’t have done any of this without Embrace.
Insurer: Embrace
By: Jen
Quick response to insurance coverage estimate
On 10/8/2018 our 7-year old Sheltie, Bailey, was diagnosed with a ruptured CCL and torn meniscus in her left back leg. The doctor recommended surgery and the surgeon agreed; surgery was scheduled for 10/29/2018. On 10/11/2018 I contacted the surgeon and asked if it would be possible to move up the surgery date due to the apparent pain Bailey was in. He agreed to move it to 10/22/2018. I contacted ASPCA pet insurance on 10/15/2018 and asked if we could receive an estimate of coverage based on the information I had at that time and let them know the surgery was scheduled for 10/22. They were very helpful and asked me to forward Bailey's medical information to them. I sent the information but did not hear back confirming receipt of the information. I contacted them again 10/17/2018 and confirmed the information had not been received. Jennifer at ASPCA insurance was very helpful and suggested I email the information directly to her to make sure it was received which I did. Unfortunately the information I sent was not what was needed so Jennifer's supervisor personally called both veterinarian's clinics we use to secure the needed information. Due the this outstanding service we were able to receive an estimate of coverage on 10/19, the Friday before the surgery on Monday. Due to this outstanding customer service by Jennifer and her supervisor, we were able to have peace of mind that at least a good portion of the expense of the surgery probably would be covered, subject to receipt of the final invoice from the surgeon and veterinarian. We really appreciate their going the extra steps to assist and their caring attitudes throughout this process.
Insurer: ASPCA
By: Dave
A great service for a great price with quick assistance when you need it.
Fantastic, when our dog needed surgery TRUPANION responded quickly. This saved us from a large vet bill. We were not as lucky with our first pets when they were sick. We ended up paying a fortune. Which we are still paying for today.
Insurer: Trupanion Canada
By: Sharon
So glad to have Nationwide covering my Ozzy
I have had insurance for Ozzy since he was a puppy. Thanks to Nationwide I have been able to curtail costs for him and they continue to help with issues that arise. The claims process is very easy and a quick turnaround on claims payments which are fair.
Insurer: Nationwide
By: Christine
Nationwide pet insurance is perfect!
It is what is says it is and does what it says it will do. No fine print everything is pretty straight forward, easy to understand. The coverage is great! They offer different plans to meet your fur baby’s needs.
Insurer: Nationwide
By: Tamara