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 claim process
Claim process was easy, best part was direct payment to my back account. only issue i have are the email communications are not always clear and not very personal. otherwise, coverage is great and it did what they said they would do. i got paid on an ER claim and a routine care claim- great to know i have this
Insurer: Nationwide
By: brittany
best pet insurance
I have been paying them for years, when I needed them they were right there, no questions asked. claims were handled within days.
Insurer: Embrace
By: Allen
Nationwide has our back!
I knew Nationwide would pitch in when we were faced with the recent injury and bills; it allowed us to make the best decisions for Otis' care and treatment. His eye is healing, and as a 16 month old puppy, he has a lifetime of vision to thank you for!
Insurer: Nationwide
By: Leah
Top notch customer service and insurance coverage for your pup!
I signed up for dog insurance a few months ago as a precaution but I was honestly still skeptical of if something happened would it be a hassle to try to get covered?
I learned the hard way that accidents happen last year and changed my mindset on my Dixie girl is healthy, I don’t need dog insurance. She is a 6 year old Aussie / Border Collie mix rescue and highly active. However, last year, I started to look into pet insurance and policies after almost losing her to a crazy foxtail incident. She had become septic, they didn’t know why and she had to have emergency exploratory surgery. It took a year to pay off that bill and then decided to get a policy with ASCPA a few months ago for peace of mind. The stress of almost losing your dog and trying to figure out how to pay a very expensive hospital bill is just not something I want to combine ever again.
Today, I am so happy I made that decision to get a monthly policy with ASPCA! As luck would have it or unfortunately, not long after the waiting period was over, Dixie started limping. Turns out she had completely torn her CCL (ACL for dogs) and needed TPLO surgery. Also due to the upcoming surgery, her being inside and other meds she needed to take, we took her off flee meds for the month and she also got a hot spot on her tail from flee allergies. She had aggravated this over night to the point that it needed vet care on a Sunday.
Long story short, all claims were approved with our new plan of $500 deductible and 90% reimbursed. I have always thought of insurance as being a hassle if you do have a claim but after a short period, I am beyond impressed!
In all seriousness, I would like to switch my personal insurance policy to ASCAP.
This was a non hassle process and customer service was beyond caring and helpful! I honestly now feel really happy about the monthly fee with knowing my dog is protected! I highly recommend ASPCA!
The only hiccup for me with processing the first claim was not realizing how and what is needed for new policies which caused a delay ... So here’s my tip for new policies and claims:
The easiest and quickest way to get info that ASPCA needs in order to process your first claim is to call and/or email every vet your dog has seen with the following info request: “I need all medical history records or
Insurer: ASPCA
By: Lisa
Amazing Coverage for Pets
Every time our dog has needed emergency care Nationwide Pet Insurance has been there for us. We just wish there was a way to speed up the claims because 30 days is a bit too long.
Insurer: Nationwide
By: Paul
Nationwide is the best coverage ever. We are very pleased with Dustie's coverage.
We have been with Nationwide (VPI formerly) for over 30 years. The coverage has been excellent and I always recommend Nationwide to my friends that are asking about pet insurance. I know a few have signed up already.
Insurer: Nationwide
By: Joan
excellent claim response time.
excellent claim response time
Insurer: Pets Best
By: Kristen
Easy to submit claims.
The process of snapping a picture, of my receipt, on my phone than hitting submit was so easy I did it while at the veterinarian's office. My claim was received and processed within a day. I received my check within 1-2 weeks.
Insurer: Pets Best
By: Alice
Pets Best is the absolute best insurance.
I have had difficult situations in the past with insurances that I didn't feel served me well.. Pets Best is the absolute best insurance I have ever had. I am extremely happy with it- a loyal customer. My claims are always covered for the most important thing in my life.
Insurer: Pets Best
By: Josephine
Positive exchanges
More recent, I've had positive exchanges w/Trupanion & this interaction was excellent. The reason for "8" vs. "10" is that I prefer an annual plan vs. a "per condition" plan. Although I'm becoming more accustomed w/Trupanion, for me it is far easier to case manage a per annum plan. That being said, I also recognize the benefits of some of Trupanion's coverages, e.g., coverage for PRP and stem cell therapies that other plans do not cover.
Insurer: Trupanion
By: Robyn