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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If only human insurance was this good
We just filed a claim with Health Paws for over $8000 worth of emergency care when our four year old Irish Wolfhound developed aspiration pneumonia. Healthy Paws paid exactly what the policy stated (90% after deductible met, minus exam fees) and they did so quickly and with no hassle. Then they followed up to see how he is doing (he is on the mend!). I recommend this company to everyone I know who has pets--it is so amazing to not have to stress out about the vet bill when your pet is critically ill.
Insurer: Healthy Paws
By: Sharon
Love my coverage!
This is my first time getting pet insurance and my experience has been fantastic! The coverage for my dog's wellness exams, medications, shots, and even a surgery have been great. The claim submission is very easy to do and I was reimbursed in a timely manner. I am very happy with Nationwide pet insurance!
Insurer: Nationwide
By: Erica
Excellent and Fastest Service
When our dog Dory needed a dental surgery, Healthy Paws helped us the best way possible. They have an excellent customer service. Everything was handled very fast, left nothing us to worry besides our little furry baby. I am glad we picked the right insurance for her.
Insurer: Healthy Paws
By: Duru
If this is your best policy, your best blows!
My claim was refused the first time because there's a truly stupid line somewhere buried in the policy that says I have to but Frontline at the vet's office or get a letter saying it's recommended. As long as I submit a valid receipt, and it's covered, why do I have to jump through extra hoops to get you to pay out some money. It was ridiculous. I don't always have time to mess with this foolishness. I have older policies on my other two cats and I don't have to do this. When I fired off an email to let you know my thoughts on this, I never got a response. That tells me you couldn't care less. And it's taking a lot longer than it used to for reimbursement. Nationwide used to be good. Not any more.
Insurer: Nationwide
By: Robert
Worth Every Penny!
I have to commend Nationwide on their reimbursement program for pet insurance. I have the total wellness package and my french bulldog, who is only a year old, has needed to use it several times, unfortunately. Nationwide has been top-notch in getting my claims processed and money back into my account in a timely manner, thank God!
Insurer: Nationwide
By: Sarah
Eager to classify anything as a pre-existing condition
We received a Corgi puppy on the day our insurance coverage was scheduled to start - July 1. When we took him to the vet the following day, the vet discovered a Urinary Tract Infection and prescribed antibiotics plus a follow-up urinalysis. Nationwide refused to cover those expenses as pre-existing conditions, even though the puppy had never seen a veterinarian before. Hopefully the service improves from here. I do like that Nationwide is covering preventative care like heart worm and flea prevention meds through their Wellness coverage.
Insurer: Nationwide
By: John
One of the Best decisions I ever made was getting Trupanion Insurance on Jax (Sheltie)
I have had this insurance for about 5 years now and so glad I got it. My sheltie, Jax has had issues with his liver and allergies. Trupanion has been there for me every claim I have submitted I get a response back that they received my claim the SAME DAY. With in about a week to 10 days I receive my check. They are totally AWESOME. Kim Cox Waldorf, Marland
Insurer: Trupanion
By: Kim
Quicker turn around time
30 days is a long time to wait to get our money back. If someone has all the correct documentation it should be 2 weeks or less. Other companies are giving 7 day guarantees
Insurer: Nationwide
By: Danielle
Invoice Receipt & Acknowledgement Needs Fixed
I have filed several claims for our Lab and have received the anticipated reimbursements but not after some trouble every single time. There is no acknowledgement of receipt (or failure to receive) the invoice images until you wait 2 weeks for them to look at it and then just say they can't pay anything because they didn't get the receipts. Their mail server does not bounce anything back if it's over the limit. There is simply no response. I have had claims go on for months because I have to send the invoices, not get any response, then in 2 weeks I get the automated that they don't have the invoices and repeat the process. And they require FAX if the invoices don't come across. Who uses fax nowadays? They need a confirmation process on emails AND someone/process to respond that invoices were/were not received without making someone wait 2 weeks for every new communication.
Insurer: Nationwide
By: Jacqui
Pets Best Insurance made it possible to obtain early diagnosis and thus prompt and appropriate treatment.
Easy to file claims, prompt payments and excellent explanation of coverage/not covered items. Early and correct diagnosis is essential to successful treatment. I could not have obtained that for my puppy without Pets Best. We are so grateful.
Insurer: Pets Best
By: Karen