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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excellent
What great insurance coverage. its better than what I have for my family.
Insurer: Nationwide
By: Nicole
Useless/ Waste of money
Useless/ Waste of money. I have had this insurance for all 3 of my pets for a few years now. I bought it in college and have kept it in my early career because I cannot afford an expensive incident with any of my animals. My dog suffered a bite wound to the chest and I finally needed to use ASPCA. I have illness and injury coverage and this was clearly an injury. He required surgery and several follow up appointments, tube insertion and removal, staple insertion and removal, bandaging and bandage changing, and the total cost reached $1500. I felt comfort in providing my credit card each time as I followed each appt by going home and submitting each claim. I now checked my account to see that $515 of his care was considered covered. My deductible is $500, with a copy of 30%, meaning that I am expecting to receive $10 from ASPCA. The “covered” charges are suspiciously close to my deductible and I am genuinely curious what would have been approved if I had submitted each receipt separately. I am going to debate it and consult my lawyer friend. It is ridiculous, unreasonable, and I wish I would have just saved my monthly payments instead of paying into this insurance plan.
Insurer: ASPCA
By: Allison
Unexpected coverage
My Koa recently had five extractions. We weren't expecting it to be covered by his insurance so needless to say that it was a pleasant surprise to find out that indeed it was covered. Thank you!!!
Insurer: Nationwide
By: Myrna
Look for reasons to not pay claims
Horrible....they look for reasons not to pay claims. Don't waste your time or money on Embrace. My dog has anxiety and is scared to go to the vet.....because of that Embrace feels like she is an aggressive dog and will not cover her. The vet even wrote a letter to Embrace explaining this, It is no different than a person having anxiety about going to the doctor or dentist. Does that make them an aggressive person? What a scam to get your money!
Insurer: Embrace
By: julie
Thank you
Thank you. I have recommended you to several people. This rollercoaster ride with all that has happened with my baby has been such an emotional time, I am thankful for your coverage so I can continue to get him the care he needs
Insurer: Nationwide
By: Angel
Reimbursement takes too long. Fee schedules are too low.
Reimbursement takes too long!
Insurer: Nationwide
By: c.
Working with Nationwide is a Dream
The coverage Nationwide provides and the ease of filling claims makes working with this company effortless. Not only has coverage been outstanding, reimbursement for my claims happens quickly. It's great! I have two older pets who are covered under a different insurance provider (didn't know any better when I started those policies). They have been a serious disappointment, denying most everything with the most childish of reasons. In stark contrast, it has been an absolute pleasure working with Nationwide at every step of the way. I cannot recommend this company highly enough and I am so very thankful for the help and service they've provided to me and my boy. Thank you, Nationwide!
Insurer: Nationwide
By: Kristi
Quick turn around on claim
Thank you for the quick turn around on our claim.
Insurer: Nationwide
By: Norman
In a prefect world, all health insurance will be like Figo
Quick reimbursements, easy to understand policy limitations and rules, customer supports actually response with useful answers, complete transparency and full explanation when claims' are denied. For the past three years we had numerous claims approved and reimbursed in timely fashions. Me and my 2 cats had gotten more than our money worth with Figo. The peace of mind that it provides us -- knowing that I CAN take my cats to see the vet or to the ER, because they are covered -- is PRICELESS!! Figo's service is the very definition of the terms "insurance".
Insurer: Figo
By: Lee
Turn around time
Hi Nationwide, thank you for taking such good care of my baby girl. The only "complaint" I would have is that the time it takes to process a claim and get refunded seems to take a long time. But, the customer service is fantastic! Thank you for offering health insurance for my doggie Winnie!
Insurer: Nationwide
By: Kerry