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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Not timely on claims
I am not happy with the claims review process. You say it can take up to 30 days to review a claim. However, then you ask for more information and then take another 30 days. I have a claim outstanding from June 27th. The initial review still indicates "complete" however, additional information was requested. So another 30 days started. Then, I received a letter stating they needed more that. My dog had a urinary infection and needed antibiotics. It doesn't seem like this diagnosis takes a genius to accept and pay. I think this is ridiculous. I just started this plan thinking that it would be good. Pay promptly and it will be.
Insurer: Nationwide
By: Judith
They are great about paying my claims and have saved me hundreds of dollars.
I have had three dogs with Nationwide Pet Ins. Unfortunately one passed away of cancer. They saved me several hundred dollars and several thousand for another who had surgery on his back leg. I can't complain about anything. If you feel they should have paid a claim they refused they are very good about revisiting the claim if you give them more information.
Insurer: Nationwide
By: Judith
Great service
I had a great experience with this insurance the first time I used it. I don't have preventative, only illness and injury, and I took my cat in for a dental cleaning and ended up having to remove three teeth due to resorptive lesions. I figured they would probably pay on the unexpected costs and leave the rest, but they processed the entire bill! It was a huge help. I hope I don't need it again anytime soon but I'm glad to have it!
Insurer: ASPCA
By: Amy
Lengthy complicated claims handled easily and payments reasonable
Over many months, my little dog saw several different vets, specialists, and some alternative practitioners. I submitted about 8 claims so far and there will be more to come, all for the same issue, and these crossed over one claim year and into the next. The ASPCA phone app, and a very patient person on the phone at ASPCA who walked me through the procedure, made it fairly fast and easy to submit all the claims. The explanation of benefits forms returned to me (via email) were clear and easy to understand, and the reimbursements made were reasonable. Thank you ASPCA!
Insurer: ASPCA
By: Harriet
If you have a pet, you need pet insurance and if you need pet insurance, you need Healthy Paws!
These guys are quite literally life savers! I don't know that we would have been able to afford all the treatment for our dear, sweet, Clementine had it not been for Healthy Paws. We signed up for Healthy Paws just a few months before our pup was diagnosed with caner. Healthy Paws has covered 90% of her medications, lab work, and surgeries adding up to over $25,000 and counting. All you have to do is take a picture of the vet bill using the app and you'll get a check in the mail within the week (you can also sign up for direct deposit). It really could not be any easier! I recommend Healthy Paws to everyone I know.
Insurer: Healthy Paws
By: David
With Trupanion I am not worried about giving my dog the best emergency care he needs!
2nd claim with my dog. This time, I had to rush him to emergency after hours. I was not worried that he needed tests run and an overnight stay on IV's. I knew with Trupanion, I could give him the best care he could have without worry I couldn't afford it!
Insurer: Trupanion
By: Celeste
Amaxing Claims Service
I have an English Bulldog with significant allergy and skin issues... thankfully we made a smart decision in buying pet insurance. Trupanion continues to deliver amazing claims service. They are professional, timely and accurate with payment of all claims... and we submit an average of 2 claims per month. Don't hesitate to buy protection for your pet... and understand your policy and it's limits - Trupanion is one of the best!
Insurer: Trupanion
By: Troy
Fairly prompt payment
Overall Nationwide does a good job of reviewing and making payments.
Insurer: Nationwide
By: David
Long time to process claim
I submitted a claim of 190.28 on August 14, 2018 and another one for 35.00. I should be getting a reimbursement of 90% since I was 24.00 short of my 250.00 deductible. It has been 3 weeks and it still says it's processing. I called a week ago and was told it can take 2-3 weeks. Still waiting, not happy about the amount of time it takes to get reimbursed. Thankfully this wasn't too costly of an illness.
Insurer: Hartville
By: Victoria
I’m always able to get the best care possible for my fur baby.
I never have to hesitate getting medical treatment for my dog. My fur baby that passed away this past June due to brain cancer received the best treatment we could get for her. It cost thousands and ASPCA reimbursed without any questions and hesitation. I know I could never get better pet insurance.
Insurer: ASPCA
By: Donna