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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Get your furry family ASPCA Pet Health Insurance!
In the past few months I had to take two of my dogs to the Emergency Vet. Daisy got in a dog fight and had a puncture wound on her face. She looked like a zombie with bright red blood in her white fur. I didn't have to worry about being able to afford the vet care that she needed, even though it was after hours for the regular vet. Then my other dog, Blueberry, didn't chew a rawhide enough and it got stuck in his digestive tract. We didn't realize he had a blockage until days later when he started to look sick. By then he was dehydrated and the situation was getting serious. While he was able to avoid surgery, he had to stay at the Emergency Hospital for over 24 hours on IV fluids, IV antibiotics and IV pain killers. The blockage was shockingly expensive to treat at $2500 without even needing surgery. ASPCA Pet Health Insurance processed the claims quickly and the refunded was deposited directly into my checking account. Thank goodness!
Insurer: ASPCA
By: Nicle
Easy to navigate web site, but slow in reimbursement
I love having pet insurance for my dog - being able to download a prefilled out form makes things very easy. The web site is easy to use and easy to get claim status. I only used the call-in service once, but was pleased with the result. Only one complaint - it takes too long to get reimbursement - I find it takes about a month and I'd like to see this improved.
Insurer: Nationwide
By: Karen
Superb Service
Millie was recused from a shelter in January 2016 and she has been a blessing to our family. When we adopted her, we decided to shop around for the BEST pet insurance so that we wouldn't worry about making tough decisions on vet expenses. After receiving several quotes and reading tons of reviews, we decided the BEST and most AFFORDABLE pet insurance was through Nationwide Pet Insurance. This has been the best decision I've ever made! All my claims have been paid shortly after submission, and Customer Service is always helpful and super friendly. It gives me peace of mind knowing that Millie can go to the vet whenever she is feeling poorly or needs surgery and my out of pocket cost is 10% of the total bill. The monthly charge I'm paying is well worth every penny. Thank you Nationwide!
Insurer: Nationwide
By: Chrystal
best coverage
We've have this coverage for almost 2 years and it has paid for itself. Our pets go to their own vets and the reimbursement procedure is very easy to understand and very easy to use. I'm so glad that we have found coverage for our pets.
Insurer: Nationwide
By: MaryAnn
Takes over a month to respond to a claim!!
It takes WAY TOO long for someone to look over the receipts and approve or reject a claim. The last claim I submitted had ALL the receipts and was a large dollar amount. I didn't receive an email until a month later that they thought I was missing something. I wasn't missing anything and resubmitted the SAME receipts and finally got an approval. I would NEVER recommend Nationwide to anyone. The only reason I use it is because we get it through work. Very disappointed on how long it takes to get anyone to respond to a claim. Every claim I have submitted has taken a month or longer to process.... It's incredibly ridiculous.
Insurer: Nationwide
By: Toni
We recommend your pet insurance to everyone we know!
Extremely satisfied with Banjo's "whole plan coverage" and the quick turn-around of reimbursements. Our vet clinic also considers you to be the finest pet insurance available!
Insurer: Nationwide
By: David
Mr. Rox says thank you for his fixed elbows!
These guys covered THOUSANDS of dollars for our dog's elbow dysplasia - the condition that's rarely covered by insurance companies. We got lucky we chose them! It's such a good feeling to be able to give your dog THE BEST medical care and not worry about the money. Great experience!
Insurer: Healthy Paws
By: Alex
Nationwide is good once they complete the claim-it seems like they take a long time to process=like trying not to pay claim
When claim is processed and says can review EOB - it would be great if the eob showed all charges individually and what was paid on each individual charge instead of lumping all charges together The claims I am talking about below still have not been processed
Insurer: Nationwide
By: Dorothy
Quick to respond to questions and payments if required.
No complaints. My Lab had a bad first year and required surgery and 2 trips to an emergency clinic. Embrace was a very good insurance company to "have my back".
Insurer: Embrace
By: Haynes
Good except for claim reimbursement
As I look back on my claim history with this company, from 2017 on back the claims were paid in a matter days. Now it is a matter of weeks or a month+. I do need my reimbursement at least in time to pay the credit card on which the vet bill was invoiced.
Insurer: Nationwide
By: sam