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.
64,641 total
Other Categories
The insurance policy is unclear about what is covered and the verbage used in emails is misleading.
I took my dog in for his annual checkup, which I thought was covered. The exam was before the annual renewal of his policy. Ensure sent an email confirming that the visit was covered. I did not receive reimbursement for the claim, and inquired as to why. They said it is "covered, but you have maxed out the well check reimbursement for the year of your pet's policy." I realize as a former insurance defense attorney that there is a difference between "insured" and "covered". Their marketing is misleading and their language is imprecise.
Insurer: Embrace
By: Todd
A big help when really needed.
As a senior on limited income, it means a lot to be reimbursed. Joey has been a healthy cat since I got him as a baby almost eight years ago. Unfortunately his teeth were very badly decayed. Most of the procedures were covered by insurance. It means the difference between being able to do something for fun and scrimping. He was an abandoned kitten and has NEVER been sick. I have two others who have made up for it.
Insurer: Nationwide
By: Virginia
We loved getting our refund check for our receipt vet visit
It’s so nice to get refunded for an unexpected vet visit. And submitting the claim was so easy and dealt with promptly.
Insurer: Nationwide
By: Tammy
A little pricey, but worth it!
I have the Whole Pet Wellness plan for my baby and while it is a little pricey, it is definitely worth it!! I considered getting just the Wellness plan since I signed up when my dog was a puppy and he is still young (he's now 2), but being a fox terrier, he has boundless energy and tends to run into things or play like he's invisible. Therefore, I wanted him to be covered if something DID happen (I would rather have it and not need it than need it and not have it). I didn't have insurance on my first fox terrier and when he got a little older, he ended up tearing both of his knee ligaments within a year of each other and they were some hefty bills! And then he ended up getting pancreatitis and eventually passed from blood cancer, which I would have tried to ease the pain of more if I had the money or insurance... so right now I'm mostly using the insurance for Wellness exams and his flea and tick medicine (and let me tell you, the Nexgard is expensive and it's SO nice to get most of that back), so it is a little costly right now, but I love knowing that if something were to happen to him, as long as I have the money to pay for it upfront, I will get most of it back and I can provide him the best medical care throughout his life. I don't have kids nor want them, so my dog is my child and I want him to have the best! I also love the Vitus Vet app to make it easier to submit claims! It doesn't speed up the process at all, but it is super easy to use and I love that you can add medical notes to each of your pets in the app and keep track of all of their vet visits and expenses. Right after making a claim in the app, I like to add the visit to his medical files and make a comment of everything that was done, any results, and how much the visit costs, what day I submitted the claim, and how much I received back and when. It's just nice to have everything in one place so I don't need to go digging through all of my receipts if there's ever a dispute or issue. Thanks Nationwide!
Insurer: Nationwide
By: Melissa
Thankful for your coverage
Really grateful for this coverage since my baby has this condition.
Insurer: Nationwide
By: Angel
Great Customer Service
The agent I worked with was very helpful and took me through the steps to submit a claim. I received compensation within a reasonable time. Very pleased with the service.
Insurer: Embrace
By: Robert
Amazing customer service and claim process
I have a 17-week old puppy and a 2 year and since I have changed insurance we have been to the vet 3-4 times for routine vaccination and check up. I have already received all my checks from Pets Best and I am still waiting for a $600 check from the pass insurance company from a vet visit a couple months ago. What a big difference!
Insurer: Pets Best
By: Sherryvonne
Good coverage
I've had great coverage for my sweet dog. I do wish they had better options for when surgery is needed as that has not been covered. But overall I've been pleased with the amount of things that were paid for.
Insurer: Nationwide
By: karen
ASPCA Pet Insurance really helps out!
My senior dog has started having the problems that occur with age and can be expensive at the vet. ASPCA pet insurance really helps out with the bills allowing me to give my dog the treatment she needs; not the treatment I can afford at the time.
Insurer: ASPCA
By: Tom
They deliver what they promise!
I chose Healthy Paws because they're local and had very high ratings. And I recently had reason to discover the "why" of those ratings. I've had insurance for my dog, Timmy, since we adopted him and never had to use it until now. But "now" was a big one. He developed an abscess in his liver and was in the hospital for four days, so the bills were huge. But true to their word, the reimbursement process was simple and fast. Not only that, there were emails hoping Timmy was healing. A nice touch! I highly recommend this company.
Insurer: Healthy Paws
By: Elizabeth