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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So happy I found this insurance!
Unfortunately, Eddy was suffering with repeated UTIs and ear infections. After the initial deductible, the majority of the expenses were covered. I am very happy with this insurance.
Insurer: ASPCA
By: Lorraine
Doesn’t Cover Much
My premium has almost tripled in just 4 years. They levy pre-existing conditions, so most of my vet visits are not covered. They have many exclusions and limitations, and although they paid half of a major orthopedic surgery my dog had, I was still responsible for $3,000. And if you are thinking of getting it for an upcoming surgery, they’ll either slap a pre-existing condition and not cover it or not cover it because you only had your insurance for 6 months or less. I do not think I will renew my policy.
Insurer: Nationwide
By: Lynne
Doesn’t Cover Much
My premium has almost tripled in just 4 years. They levy pre-existing conditions, so most of my vet visits are not covered. They have many exclusions and limitations, and although they paid half of a major orthopedic surgery my dog had, I was still responsible for $3,000. And if you are thinking of getting it for an upcoming surgery, they’ll either slap a pre-existing condition and not cover it or not cover it because you only had your insurance for 6 months or less. I do not think I will renew my policy.
Insurer: Nationwide
By: Lynne
Has been a lifesaver
The Embrace claim staff has been very helpful in educating me. I added the Wellness Plan and that has covered her vaccinations and her basic puppy obedience class!
Insurer: Embrace
By: Cathy
The best customer service and concern for your pet
I can't say enough, after greeting you their 1st concern is your pet. They know them by name not an account number, The easiness to submit claims and they expedite re-imbursement very quickly. Wish I had heard of this company when I had my other pets. I now have my Holly and Bailey insured.
Insurer: ASPCA
By: Connie
Feels like family!
Always great communication with the team and the coverage has worked out on every visit. Thank YOU!
Insurer: Embrace
By: Tamra
Great service
This was such an easy process. I submitted my claims and they were all processed very quickly. Whenever I had a question the people I spoke to over the phone were very kind and very helpful.
Insurer: ASPCA
By: Michelle
No denial of any claim is great!
After several years with Nationwide Pet Insurance, this was my first major claim, and I was worried it might be denied, as is typical for human health insurance. Nope! Claim was paid per policy benefits. I'll be recommending you even more highly now.
Insurer: Nationwide
By: Cynthia
I highly recommend trupanion
As a holistic veterinarian I highly recommend trupanion and practically beg my clients to get their new babies insured. Trupanion covers whatever a veterinarian deems is needed. They cover congenital problems and all holistic modalities. They will even pay your vet so you don't have to have the money out of pocket in an emergency situation. This is by far the best plan available.
Insurer: Trupanion
By: Dr.
Efficient claims process
We chose Embrace because they offered coverage overseas where we were stationed at the time. My previous experience with pet health insurance was with Healthy Paws, and I was happy with their cost structure. Embrace has similar a cost structure (i.e., deductible, and % of the billed amount reimbursed), but I could pay the entire year's insurance premium in one lump sum for a discount, which I couldn't do with Healthy Paws. Saving some money = good. The claims process is exceptionally quick, and the vets I've gone to here in Tampa all work with Embrace, so they handle 90% of the claims paperwork/transmittal/filing for me. Less paperwork = great. I also bought into the Wellness Plan, which I've used up in less than half a year, so that was money well saved; and I bought into the prescriptions plan, which is also helping to offset my actual out-of-pocket costs. I was always going to get pet health insurance for our new puppy, having had a good experience previously; I'm glad I signed on with Embrace.
Insurer: Embrace
By: Jerry