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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Took almost 4 months to be reimbursed
Purchased this insurance through my employer, and it includes wellness. Had no problem getting quickly reimbursed for puppy visits in the beginning. When my puppy was 4 months old, our vet suggested that she have a preventative surgery on her hips. We contacted Nationwide prior to the surgery to ensure that this is something that would be covered. They took a day to research the procedure, cautioned us that they don't to pre-approvals but because its preventative and will be performed by a licensed vet, that they could see no issues with reimbursement. We submitted a claim for the surgery in June and did not receive payment until OCTOBER. Yes, that's a 4 month span. 30 days after submitting the claim, they responded that medical records were needed in order to determine if the expense is reimbursable, which we promptly provided. 60 days after submitting the claim, they responded that they needed more time to review her records (remember, she's a puppy and had only a few visits prior to this surgery! what is there to review?!) I proceeded to contact the customer service line multiple times AND the agent which sold me the policy and nobody could give me any timeframe on when a determination would be made and when I could expect to be reimbursed. They're just apparently "really busy" and can't process claims for 4 months, so you're probably better off getting insurance through another provider who can actually take 5 minutes to review a puppy's medical records. These people are a complete joke. Nationwide, you're welcome for the interest-free 4 month loan of thousands of my dollars.
Insurer: Nationwide
By: Jen
Awesome!
I love love love Nationwide! All my claims are processed timely and I've never had an issue with a claim not being paid. My pets are now considered 'senior' due to their age and of course that comes with additional medical issues but Nationwide has been there to help cover the cost of procedures/vet visits and medicines. Huge relief to be able to make sure my babies get the best possible care without having to 'nickel and dime' what medicines/treatments they can receive. I have recommended several friends and coworkers and they are forever grateful.
Insurer: Nationwide
By: Nicole
Reliable pet insurance
They pay for what they say they will pay. It takes 2-3 weeks from the time you file the claim (sending it in by mail) until you receive your check.
Insurer: Nationwide
By: Jeannine
Trupanion was the best decision we made for our Bayli .
Trupanion was the best decision we made for our Bayli. They are life savers , literally. Bayli had bladder stones and was taken into emergency surgery. Having Trupanion took care of us so we could take care of Bayli. Knowing you have Trupanion, takes away the added stress and worry.
Insurer: Trupanion
By: Richelle
Very pleased!
My experiences with Nationwide Pet Insurance have all been wonderful! Great customer services, easy claim process, fast payment! I will definitely recommend to all my friends!
Insurer: Nationwide
By: Debra
Always a big help with vet costs
our family has trusted Nationwide Pet insurance for many years. We get it through my work, which makes paying very simple. We take our responsibility as pet owners very seriously, and want the best for our dogs. Combined with Care Credit, we have a system that if one of our two standard poodles needs help, we are able to provide that help. Nationwide does tend to take a bit of time to review the claims but we just make the payments on the care credit card while we are waiting for disbursement. I have recommended this system to many people that I work with that have animals.
Insurer: Nationwide
By: Mychal
Wonderful insurance to have so that you do not feel conflicted between money and helping your pet!
The overall process of completing the claims and submitting documentation online was a breeze. I also received a full payment (minus the deductible) for my claims without any issues. The only part of the process that was a little disappointing was how long it took to receive the funds, which was over a month. They did email me though at about the one month mark to let me know they were still working on it, so I appreciated that. The transfer of the funds straight into my bank account was also very simple and efficient. I would recommend this product to anyone with a pet!
Insurer: Nationwide
By: Jessica
Excellent
Super easy claim processing. Have had no problems in receiving payments for claims submitted.
Insurer: Nationwide
By: Charlene
Awesome
Our 7 year old collie/pekinese mix had to have surgery on a ruptured ligament on his left knee, the surgeons office emailed the estimate to trupanion and we had email confirmation of approval within 24hrs to approve the surgery and now anything related to this in the future does not need approval. Awesome experience with something that was so scary for us parents to handle. Any questions I asked were answered immediately. Thank you so much, truly from the loving parents of our best buddy Niche!!!
Insurer: Trupanion Canada
By: Kathy/Bill
Coverage was as complete as it gets, and my claim was processed very quickly without fuss.
I took my dog in for her annual checkup. I submitted a wellness claim on Wednesday. 100% of the amount was covered, and th claim was approved on Monday. You just can't ask for any more.
Insurer: Embrace
By: Matt